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Buying a new or used vehicle can be stressful and time consuming. Not only does White River Credit Union offer a variety of loan options with competitive rates and 24×7 online approvals, we provide the tools to make it easy for our members.


White River CU may be able to meet or beat it! Ask us how today.

Whether you’re looking to buy a truck, new sports utility vehicle, a sensible hybrid, a used car for your teen, or are looking to drive for Lyft or Uber, we have vehicle loans that will fit your needs. Make your vehicle shopping experience easier by getting pre-approved, so you can focus on getting the most car for your money. 


Don’t feel like going to the dealership? Want your vehicle delivered to you? Try AutoSolution, a hassle-free car buying experience you’re going to love. Members can contact AutoSolutions and they will do all the looking for you! Typically Auto Solution can save you money —  up to thousands of dollars. (cool, right?). 

It’s as easy as: 

  1. Decide what make and model car or truck you want. Choose color, options and trim level. 
  2. Call AutoSolution to be connected with knowledgeable Auto Consultant
  3. Make your decision (no pressure!)
  4. Connect with White River CU 

Credit Union Direct Lending (CUDL AutoSMART)

For your convenience, WRCU is part of the CUDL program which means you can complete all the loan paperwork at the dealership. Simply visit their site for an easy way to find the vehicle you want while shopping at home. Super convenient!


With our First Time Car Buyer Program, hitting the open road in a car of your own doesn’t have to be so intimidating. And with easy financing up to $15,500, you’ll even have money for road trip snacks! No credit? This is a great way to help you build your credit!

Looking to make money by being an Uber or Lyft driver but need a reliable vehicle? WRCU offers loans for your Uber/Lyft vehicle purchase. Happy driving!


Save the lemons for your lemonade and know all the facts before you buy! If you’re buying a used car, arm yourself with as much data you can.  A CarFax report provides a peek into the car’s past including repair history, number of owners, accidents, emission reports, and much more. 


Guaranteed Asset Protection (GAP Plus)

This program helps you cushion you and your family against sudden out of pocket expenses and goes beyond traditional GAP protection. GAP Plus can help fill the gap between what your vehicle insurance will pay and what you owe on your loan, if your vehicle is deemed a total loss. Plus, it helps you get into your next vehicle by reducing your next loan at the Credit Union by $1,000. 


Mechanical Repair Coverage (MRC)

As your vehicle gets older, the risk and cost of repairs increases. With Mechanical Repair Coverage (MRC), you can protect yourself from unexpected vehicle repair costs. MRC offers such benefits as:

  • Rental reimbursement
  • 24-hour emergency roadside assistance
  • Travel expense reimbursement
  • Deductible options
  • Transferable

Good at any authorized repair facility in the U.S. or Canada


Debt Protection

Protect your family against the unexpected. Debt protection protects your loan balance or loan payments against death, disability or involuntary unemployment. 

  • The protection could cancel your loan balance or payments up the contract maximums. 
  • Purchasing is voluntary and won’t affect your loan approval

Three Things you need to know before buying a new car

There are many things to consider before purchasing ANY car, but a NEW car might spark particular questions. There are pros and cons to buying new cars, just as there are pros and cons to buying used cars. 

First off, when purchasing any vehicle, ask yourself “Why am I buying this car?” Is it for daily use, will you need a lot of storage space, seating space? Make sure the makes and models you narrow your search down to are practical reflections of how you will use the car.


© 2020 White River Credit Union