Auto & Recreational Vehicle Loans

Auto Loans

With flexible terms on new and used vehicles, we will help you find an affordable payment to meet your individual needs. Get pre-approved before you shop.
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New! Pre-Approved Auto Loan Checks
Get pre-approved for an auto loan and receive a check that can be used at car dealerships throughout Vermont and New York. This can increase your negotiating power and limit trips between our branches and the dealership. Visit a Loan Officer in one of our branches, or call a Loan Officer at (802) 658-0225, Option 1 for more information and to see if you are eligible.

Pre-Approved Auto Loan Checks are for car dealership purchases only, and are not valid on refinances, lease buyouts, private sales or vehicles with rebuilt titles.

Auto Insurance

Auto Loan Calculator

NEW! Burlington Electric Customers

You are now able to finance your electric vehicles directly through us and apply your Burlington Electric Department (BED) EV discount at loan closing to lessen your principal and payments. Take advantage of our special energy efficient auto loan rates, BED Rebates, tax credits and savings offered at the dealership(s) to maximize your savings.

BED Rebate Program

PaySaver Auto Loan Program

Looking for a way to save up to 40% on traditional monthly auto loan payments? Then the PaySaver Auto Loan Program is for you. This is similar to a lease in that your payment is typically much lower, but there's no security deposit, no acquisition fee, and no prepayment penalties. Like a lease, you pay only for the depreciation of your vehicle while you use it. At the end of the term, you can keep the vehicle by refinancing, selling it, trading it in for a new one or return it to the Credit Union (subject to inspection and mileage).

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  • Up to 40% lower monthly payments than traditional financing
  • No pre-payment penalty
  • No down payment required
  • Valid for both new and used vehicles
  • Vehicle title is in your name
  • Multiple options at term end
  • Apply online, close online
  • To estimate payments, use our PaySaver Auto Loan Calculator

Boat & RV Loans

Summer is short. Get out and enjoy it! Find the boat or RV of your dreams and we'll take care of the rest. Whether you're hitting the water or the road, let us help you start your next adventure:

  • Affordable payments with extended terms
  • The leisure time you've always wanted
  • Buy everything you need with one loan

Other Vehicle Financing

Fuel your fun. Vermont Federal offers financing for recreational vehicles such as:

  • Snowmobiles
  • ATVs
  • Personal Watercraft
  • Campers
  • Alternative Transportation Vehicles (including scooters)

You can even finance trailers and other accessories with the same loan. Apply now.

Protect Your Investment

Vermont Federal offers options to help ensure that your investment is protected.

  • GAP (Guaranteed Asset Protection) Advantage is a non-insurance product that covers the "gap" between the primary carrier insurance settlement and the payoff of your loan, less delinquent payments, late charges, refundable contracts and other insurance related charges. It may also provide you an additional $1,000 toward the purchase of a replacement vehicle. Get a Quote Today.
  • Mechanical Breakdown Protection is designed to help you in case of mechanical failure of major mechanical components of your vehicle. You can add this protection to your loan payments at any time during the term of your loan or you can purchase the protection outright if you financed your vehicle elsewhere. Get a Quote Today.
  • Automobile Insurance is offered through a dedicated team of local insurance professionals. Learn More.
  • Insurance Verification
    You may have received a letter from Vermont Federal requesting a copy of your insurance. As part of your loan obligation, you are required to maintain physical damage insurance for the full term of your loan. If you have not already responded, or asked your agent to respond to us, you can submit your insurance information online.
    • Visit the secure Insurance Verification Webpage
    • Submit your insurance information on the secure website
    • We will verify your insurance information
    • Once verified, this information will be added to your loan account
    • You will receive notification that we were able to confirm your insurance


*APR is the Annual Percentage Rate on the loan. Rate is quoted "as low as" and is subject to an evaluation of your credit at the time of application. Rate is based on a 24 month loan and applies to 2009-2019 vehicles. Other rates and terms are available. Rates may vary. Terms may be limited based on credit and collateral. Rates are subject to change without notice.
**Must be a member of the Credit Union to obtain a loan. All loans are subject to approval. The insurance products listed are not federally insured and are offered by a separate entity that is not affiliated with the Credit Union.
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  • Falcon ATM Network
  • Credit Union Service Centers
  • Vermont Federal Investment Services Insurance Products
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