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.

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At Vermont Federal Credit Union, we can't plan your next road trip, but we CAN help keep you rolling by refinancing your auto loan at a great rate!


Apply now and you'll make no payments for the first 90 days* and receive 1% cash back up to $200*. And no worries, our loan process is as smooth as the open road! It's one of the many benefits of joining our credit union.



*APR is the Annual Percentage Rate on the loan. Rates are quoted "as low as" and are subject to an evaluation of your 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. The promotion ends on December 31, 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!

Which auto loan option is right for you?

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I want a low payment.

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

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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.

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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

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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.

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

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.

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