Pre-qualify for
peace of mind
See your real rate and monthly payment
Build personalized deals
No impact to your credit score and no obligation.
Secure and fast sign-in process
Why Choose Us
WE’RE TRANSPARENT
No hidden fees. No surprises. You’ll always know your exact rate, terms, and payment before you sign — plain and simple.
WE’RE HELPFUL
Our lending team is here to guide you, not pressure you. Whether you’re buying new, refinancing, or just exploring, we’ll help you find the right fit.
Best Rate Guarantee
As a credit union, we exist to serve members — not shareholders. That means competitive rates designed to save you money, with flexible terms built around your budget.
We will help you find the best auto solution
Because at Summit, it’s not just about financing a car — it’s about helping you move forward with confidence.
Whether you’re buying your first car, refinancing for a lower rate, or upgrading to something new, we’ll help you every step of the way.
Our team works with you to:
Compare options side by side
Tailor loan terms that fit your budget
Make the process simple, fast, and stress-free
How it Works
Pre-qualify in minutes
Because at Summit, it’s not just about financing a car — it’s about helping you move forward with confidence.
Find a car your budget loves
Shop cars from our participating dealers and see your personalized rate on the car you want.
Customize your offer
Adjust things like down payment, term length, and more to build the deal that’s right for you.
Visit the dealer to finalize
Complete your final credit application at the dealership and drive home with your new car.
Drive With Confidence
Buying a car should feel exciting—not overwhelming. At Summit, we make the process simple by offering competitive rates, flexible terms, and guidance every step of the way. Whether you’re purchasing, refinancing, or buying out your lease, we’ll help you find the loan that fits your life and budget.
When you finance with us, you’re not just getting an auto loan—you’re gaining a trusted partner. Our focus is on helping you save money, get approved quickly, and drive away with peace of mind knowing your credit union has your back.
What client say about us
The process was so easy and fast. I applied online, and within 24 hours I was approved with a lower rate than the dealership offered. Saved me over $1,500 in interest!
Darcel Ballentine
CU Member
I refinanced my truck loan and cut my payment by $85 a month. The credit union team walked me through every step and made it stress-free.
Leatrice Handler
CU Member
Frequently Asked Question
Will applying affect my credit score?
Our quick pre-qualification check has no impact on your credit score. You’ll see your estimated rate and payment before moving forward.
How long does it take to get approved?
Many members receive approval within 24 hours. In some cases, you may even get same-day approval.
Do I need to be a member to apply?
You can apply today. If you’re not yet a member, we’ll help you complete membership as part of the loan process—it’s fast and easy.
What kind of vehicles can I finance?
We finance new and used cars, trucks, SUVs, and in some cases motorcycles or RVs. Ask us about your specific needs.