Drive with Freedom
Flexible financing options for new, used, and recreational vehicles. Finance your vehicle with Freedom.
New/Used Cars
Financing your auto loan with Freedom Credit Union is a smart and easy move! You can pre-qualify before you go shopping, refinance your current loan, or apply once you’ve found that perfect set of wheels. See our Auto Loan Rates.
- Fast approvals
- Great loan rates
- Terms up to 84 months (limitations apply)
- Optional GAP and Mechanical Breakdown Protection
Recreational Vehicles
From snowmobiles to wave runners and everything in between, our recreational vehicle loans can turn your dream of owning a new toy into reality. As a small credit union, we pride ourselves on our flexibility and ability to finance recreational vehicles.
- Fast approvals
- Great loan rates
- Personalized service
Free CARFAX Report
Our credit union provides a CARFAX Vehicle History Report™ to help protect our members from salvage, total loss, structural damage, lemons, and flood vehicles. Your branch representative will be happy to share a CARFAX Vehicle History Report with you.
- Vehicle history
- Ownership history
- Title history
Loan Pre-Approvals
Buying a car can be an intimidating experience, but our new pre-approval process makes it easier! Before you visit the dealership, check with us first. We’ll review your file, listen to your goals, and help you determine the best price range for your needs. You’ll have the confidence of knowing your financing is already in place.
Frequently Asked Questions
Q: How do I get pre-approved?
A: Getting pre-approved is easy in just a few steps.
- Apply online, by phone, or in our office.
- We underwrite your application and discuss options with you.
- When you are comfortable with the maximum loan and payment amounts, you will sign preliminary documents, including a partially completed check you can take shopping with you.
Q: The check is partially completed? What does this mean?
A: Since we don’t know which vehicle you will purchase or what the final amount will be, we give you a check payable to you, with a restriction that it is only good for a vehicle purchase up to your maximum loan amount.
Q: What do I do when I find the vehicle I want?
A: Once you know what vehicle you want and have a final “out-the-door” price, you finish filling in the check with the name of the dealership you are buying from and the final dollar amount. The dealer completes some additional information and faxes the paperwork to us. And you drive home in your new vehicle!
Q: What if the dollar amount isn’t exactly what I was pre-approved for?
A: That’s normal. Once we receive the information from the dealership, we will review it to make sure it complies with our guidelines. If everything is in order, we pay the check and send you final documents, including the final amount you borrowed and exact monthly payment amount.
Q: Do I have to buy from a dealership?
A: Yes, the pre-approval program only works with licensed dealerships. Purchases from private individuals cannot be financed using pre-approved checks. Please see us for help with these loans.
Q: What if I change my mind after getting pre-approved?
A: No problem. Getting pre-approved doesn’t cost anything and doesn’t obligate you to purchase a vehicle. If you decide not to use your pre-approved check, just void it and let us know.