Car Loans

Finding the right car, truck, motorcycle, RV, ATV, snowmobile, or other vehicle at the right price can be challenging. Financing it shouldn’t be. Our member service consultants have your best interests in mind, and they are here to make sure you’re getting our best Vermont auto loan rate, term, and payment plan for your financial situation. And as a cooperative not for profit credit union, we value relationships and recognize it by offering a relationship discount to members who have demonstrated a commitment to VSECU.

If you’re still looking for a vehicle, our Find Cars widget will help you with some online shopping. Then check out our competitive vehicle loan rates and, when you’re ready, fill out our simplified online vehicle loan application. Whether you’re new to VSECU or are expanding your relationship with us through this loan, we look forward to helping you finance your new vehicle.

  Buying a car? Here are some tips to simplify the loan process.



We offer the same low rate for new and used vehicles, RVs, motorcycles, boats, or other secured collateral.


We offer competitive vehicle refinancing rates and a simplified online process for a new or used vehicle.


Finance up to 110% of the vehicle high book value at VSECU, so you get the vehicle you really want.


Guaranteed Asset Protection and Mechanical Breakdown Protection can protect your new vehicle.


Make sure your payments are covered, should the worst happen, with Debt Protection.


A variety of flexible terms and payment options are available for your VSECU vehicle loan.


When signing for your VSECU vehicle loan there is no upfront down payment required to get you started.


As a VSECU Member, you also have access to free Accidental Death & Dismemberment insurance.


Want to earn our best rates? As a cooperative, we are committed to deepening our connections. To encourage stronger relationships with members, we offer relationship pricing discounts on our Vehicle Loans. These discounts are easy to qualify for and improve your loan rate by .25% off the regular APR of the loan. All you have to do to qualify is meet two of the following requirements for the three months prior to taking out the loan:

• Make an average of ten debit card transactions to your checking account per month.
• Maintain a history of a recurring direct deposit in one of your VSECU accounts.
• Be enrolled in eStatements.


Best rates are reflected in the rate table below.

Enter the amount you wish to borrow:

up to:
as low as:*
Monthly Payment
24 Months 2.80%
36 Months 3.25%
48 Months 3.45%
60 Months 3.75%
72 Months 4.20%
84 Months 4.75%

* APR = Annual Percentage Rate. APR is effective as of 10/1/19 and reflects the current minimum APR offered with a relationship pricing discount (as described above the table). Estimated monthly payments shown are based on a $10,000 loan. Other rates and terms may be available. The APR may be adjusted based on individual credit standing and term. Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.


At VSECU, we simplify car shopping for our members by offering Dealer Direct purchasing. We work with participating auto dealers, so they can take your loan application on the lot and determine if you qualify for a loan from VSECU.

Use the form to the right of this page to view partner dealers and shop online. This one stop online shopping place will give you information about the value of your existing auto, suggested retail prices for new and used autos, plus much more.

Once you’ve found the right car, you can apply for a VSECU vehicle loan at a participating Vermont and New Hampshire dealership. When you show up for the test drive just let them know you want to finance with VSECU.

If you already know which vehicle you want or would like to get pre-approved before you visit the dealership, our easy online application and with the quick turnaround time, we’ll have you in your new vehicle shortly.

If you are a member and want to apply online, it’s easier to apply once you’ve logged into Digital Banking. That way we can save you time by pre-filling the application with the general information we already have on file for you.

To submit proof of insurance on an existing VSECU secured loan, click here.


VSECU offers both Mechanical Breakdown Protection (MBP) and Guaranteed Asset Protection (GAP) for your vehicle. These protection programs are comparable to, and often more affordable than, what a dealership may offer as mechanical breakdown insurance.

Gap & MBP Quote cta

Guaranteed Asset Protection (GAP)
Guaranteed Asset Protection (GAP) can bridge that “gap” between the vehicle’s value and the amount you still owe on the loan in the event the vehicle is stolen or totaled in an accident. VSECU offers GAP Advantage, which not only pays the difference between the vehicle’s value and the balance of the loan owed, but will also cover the deductible and $1,000 towards the purchase of a new car if you finance with VSECU.

Mechanical Breakdown Protection (MBP)
Mechanical Breakdown Protection (MBP) is a complete line of coverage designed to keep your vehicle on the road. No matter where you travel in the United States, MBP can protect you against major mechanical expenses, and there is no deductible on covered parts or labor. This plan includes a rental car allowance and 24/7 emergency roadside service.

If you would like to add MBP or GAP to your new or existing auto loan please contact a member service consultant for more information at 802/800 371-5162.