Cardinal Credit Union offers auto lending. We offer loans for new and used cars and trucks with terms as long as 84 months. Your interest rate is determined by your credit score and other credit qualifications. Apply for an auto loan in person, online by accessing the online Loan Application, or by completing and mailing a Loan Application from our Loan Brochure.
New Auto Loans
A new auto is considered new if it has never been previously titled. Cardinal may offer new auto financing for certain dealer program cars. Used Auto Loans Used autos may be financed at low rates and with terms as long as 72 months. Newer used vehicles may be financed based on year, make, model, and condition.
If your vehicle is stolen or totaled, you could end up paying a lot of money out of your pocket—no matter how much insurance you have.
GAP Waiver provides supplemental protection to a borrower’s primary insurance and is designed to help borrowers avoid financial loss in the event of total loss or unrecovered theft. The difference between the loan/lease net payoff amount and the actual cash value (ACV) paid by the primary insurance settlement produces a deficiency balance or “gap.” This remaining loan/lease balance is covered (or waived) with GAP protection.
What is GAP?
- Pays the difference between your primary carrier’s insurance settlement and your loan or lease balance
- Covers your insurance deductible up to $1,000
- Provides an additional $1,000 towards the lease or purchase of a replacement vehicle if stolen or totaled and a documented GAP claim is paid
- Ask your Cardinal CU Loan Specialist for details
Program offered through Golden Eagle Insurance
Members and potential members may also apply “on the spot” at our select dealer partners: