Financing a Vehicle Shouldn’t Feel So Complicated

We’re here to help make the process quick, easy, and painless. With flexible terms and affordable payments, we can help you get the vehicle that you want or drive your payment down, and save you money with our great refinancing options.

LIMITED TIME AUTO LOAN REFINANCE SPECIAL

Everybody could use a little extra money in their pocket, and one way you can save is by refinancing your monthly auto payment. With the holiday season coming up, it's never been a better time to save.

For a limited time, receive 1% cash back up to $200* and defer your payments for 90 days*. That means you won't make any payments until 2021.

Already have your car picked out?

Get a Pre-Approved Check!

You can 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, making the process that much easier. Find out if you are eligible!

Schedule an Appointment

Which auto loan option is right for you?

I want a low payment.

A longer-term auto loan or our PaySaver auto loan might be right for you.

Apply Now

or Learn More about our PaySaver Product

I want to save as much money as possible.

Whether you are buying new or used, you are looking for a shorter-term auto loan option.

Apply Now

or Contact Us

I want an electric or hybrid vehicle.

Our energy efficient auto loan option will be perfect for you. For Burlington Electric Customers, check out the BED Rebate Program

Apply Now

or Contact Us

I want to refinance or buyout my lease.

No one likes to say goodbye. And with our help, you won't have to! Let us help you save money by refinancing or buying out your lease so you can hang on to the vehicle you love.

Apply Now

or Contact Us

Protect Your Investment

We offer a great set of options to keep you on the road.

Payment Protection

Designed to help relieve the financial stress and worry related to making loan payments when your life takes an unexpected turn due to:

Death
Disability
Involuntary Unemployment

Payment Protection

Designed to help relieve the financial stress and worry related to making loan payments when your life takes an unexpected turn due to:

Death
Disability
Involuntary Unemployment

GAP (Guaranteed Asset Protection) Advantage

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.

Mechanical Breakdown Protection

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.

Auto Essentials

Designed to cover a wide range of protection services. Coverage includes:

Key/Remote Replacements
Replacement of lost, stolen or destroyed keys or remotes.

Tire & Wheel Protection
Repair or replacement of punctured, cut or flat tires and wheels due to road hazards or pot holes. Includes cosmetic repair of wheels.

Dent & Ding
Permanently removes door dings and minor dents without harming a vehicle’s factory finish.

Windshield Repair
Repair chips and cracks caused by propelled rocks or road hazard debris while driving on public roads, streets or highways.

24-Hour Emergency Roadside Assistance
Including towing services, roadside services, flat tire assistance, battery assistance, lockout service, etc.

What's Next?

Still Have Questions?

We would love to provide you with some clarity.

Insurance Verification

As part of your loan obligation, you are required to maintain physical damage insurance for the full term of your loan. You may have received a letter from Vermont Federal requesting a copy of your insurance. If you have not already responded or asked your agent to respond to us, you can submit your insurance information online by following the steps below:

Visit our secure Insurance Verification Webpage
Submit your insurance information on the secure website
We will verify your insurance information
Once verified, this will be added to your loan account
You will receive notification that we were able to confirm your insurance

*Insurance Verification applies to all secured loans offered by Vermont Federal only.

*APR is the Annual Percentage Rate on the loan. Rates are quoted "as low as" and are subject to an evaluation of our credit at the time of application. Rates may vary. Terms may be limited based on credit and collateral. Rates are subject to change without notice. The 1% cash back is only available for auto refinances from another financial institution; Maximum $200.00. Loan must be open for 90 days or 1% cash back will be surrendered. 90 days deferred payments dependent on credit qualifications and existing Vermont Federal Credit Union loans are not eligible. Monthly premiums for credit insurance purchased and interest will be added to the loan during the deferred payment term. This promotion cannot be combined with other offers. Must be a member of the Credit Union to obtain a loan.