You’ll need to provide the following information
- Contact information for applicant and co-applicant
- Current housing, employment and income information for applicant and co-applicant
- Amount you expect to finance (include vehicle purchase price, taxes, tags, title and warranty, less any down payment)
- Length (term) of the loan you want
Submit your application
After submitting your application, you’ll receive a email or call from us letting you know the status of your application.
We understand that when shopping for a vehicle, you can’t always wait around for a decision. Most of our loan decisions are made same day. If you are at a Credit Union Direct Lending (CUDL) participating dealership, we DO participate in CUDL. You can get a decision and finish all your paperwork at the dealership. Learn more about the CUDL process.
Select your car
Start looking for your perfect vehicle. Learn more about the auto buying process and check out thousands of vehicles available at our CUDL dealer partners.
Receive your funds
You can choose to pick up a check at our office or have it mailed to your home. In some cases, we can send the funds electronically.
Take the loan check to the seller
If you are purchasing your vehicle at one of the many dealerships that participate in Credit Union Direct Lending (CUDL) you can skip this step. We will send the funds to the dealership electronically.
Send us the title
Once you pay the seller, ensure the title is received by United Trades FCU within 90 days of purchase.