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Getting approved for an auto loan with our credit union before you visit the dealership, allows you to:

  • Know your interest rate,
  • Know your loan payments,
  • And choose the vehicle you really want (instead of one that the dealership wants to get rid of and pushes on you).

Dealerships are usually the only ones who can offer 0% financing, but, most of the time, these loans are shorter terms so your monthly payments will be higher.

We offer terms anywhere from 36 to 84 months based on your credit history.  We also offer more payment options including, payroll deduction, automatic transfers.

You can also get GAP insurance through Kennedy VA EFCU for only $300 and the warranties are based on the vehicle you purchase.


Apply for Loan Credit Union vs. Dealership Financing Calculator



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