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Auto Loans

New or Used Auto

*Free Pre-approval

*Great Rates!

*Budget-friendly payments

*Fixed rates, flexible terms

*Up to 84 month financing

*No loan origination fees or penalties for early payment


Already own your vehicle but you financed it elsewhere? Refinancing with FCU can save you money and get your loan paid off quicker. Talk to a loan officer today to see if we can save you some money!

Drive Smart

Drive Smart offers monthly payments up to 40% lower than conventional financing options! Want a new car but can’t afford the hefty payment that comes with it? What if we told you we could get you into that new or slightly used vehicle with a payment you can actually afford? Introducing Drive Smart Balloon Loans.

Key Benefits

  • Lower monthly payments
  • No down payments required
  • Flexible terms from 2 to 6 years

Advantages Over Leasing

  • No up-front costs or early termination fees
  • No higher insurance premium
  • Easy “walk-away” option at loan maturity
  • Vehicle is titled in borrower’s name
  • Available on New of used vechicles up to 5 years old

End of Loan Term Options

  • Refinance remaining balance at any time during loan term
  • Keep, sell or trade the vehicle at any time during loan term
  • Return vehicle at loan maturity
  • Vehicle pick-up is arranged

CUDL Shopping

Finding your next car just got easier with Filer Credit Union! We have partnered with CU Direct to provide you shopping options at hundreds of dealers throughout Michigan! Find your next car in the comfort of home! Why wait? Start browsing now! Financing with Filer made simple by being handled directly at the dealership! Click on the link below to see available inventory and participating CUDL dealers to start shopping today!

First Time Car Buyer

No credit? No worries! We can help you get into an affordable car without credit! Some restrictions apply. See one of our loan officers today!

Skip A Pay

Life happens, we get it! If you find yourself in need of some financial relief we’re here to help!

Our Skip-a-Pay program allows you to skip a monthly loan payment. There is a $20 fee for this service.  Members are limited to skipping only one payment per loan each 12-month period. In order to qualify for this service, new loans need to have successfully paid 6 regular payments and the loan needs to be current with the previous month’s payment paid in full.

To take advantage of our Skip-a-Pay program login to your online banking account or call and speak to one of our loans officers.

Contact Us

If you are experiencing a financial difficulty that may last more than 1 month we encourage you to speak to our collection department for help. 231-723-3400 ext. 119. We also have our own in-house financial counselors, Melanie Fisk ex. 129 & Andrea Kissel ext. 311 that offer free and confidential consulting appointments.

We make getting behind the wheel easy!