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Auto and RV Loans

We offer great rates on loans for automobiles, boats, recreational vehicles, motorcycles, snowmobiles, trailers and more!

If you are purchasing an auto from a dealer or private party, you can apply for a loan with us.  We work with many auto dealerships that can do the loan paperwork for Route 31 CU right at their dealership or we can get you approved at our office.  Whatever is more convenient for you.  Give us a call or apply online and we can tell you what your rate will be and get you preapproved.  Start looking for a new vehicle today.

You can now make loan payments using Remote Deposit Capture on our mobile app.

Balance Owed$25,000$25,000
6.99% Loan at Bank5.99%* Loan at Route 31 Credit Union
Loan Term Remaining48 month48 month
Total Cost w/ Interest$28,738.21$28,183.55
Monthly Payment$598.72$587.16
*This rate is an example and may not reflect our current rates.
Rates are based on credit history.

Loan Checklist

  • Proof of Income (2 recent paystubs dated within 30 days)
  • Social Security Award Letter or Bank Statement
  • Pension Award Letter or Bank Statement
  • Proof of Insurance
  • Bill of Sale or Purchase Agreement
  • Copy of Title (if private party purchase)
  • Vehicle Options & Mileage


Members that refer a friend to open an account and finance a loan at Route 31 Credit Union will receive $20 (person referred must be a new member).

Ask an associate for details.


Skip your loan payment for one month! You can skip one loan payment, per loan, per calendar year on eligible loans. For more information and to apply, click the link below.

Share Secured Loans

A share secured loan uses your money in savings as collateral for our lowest interest rate loan.

Extended Vehicle Service Contract

Route 31 Credit Union members often face unexpected vehicle repairs, or keep their vehicles longer than their manufacturer’s warranty covers.

Because a vehicle is the most important asset next to a home, Route 31 Credit Union is now offering Extended Vehicle Service Contracts through Vision Warranty Corporation for your auto, truck, or van. Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Vehicle Service Contract.

Buy an Extended Vehicle Service Contract for less than the cost at most dealerships and enjoy:

  • Coverage of most major components in the event of a breakdown
  • No-hassle Direct Payment: no reimbursement forms
  • A one-time premium that may be financed along with your vehicle

Put the brakes on expensive car repairs. A factory warranty may not be enough. Most major repairs occur after the manufacturer’s warranty expires. Consider adding an extended vehicle service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.

How do you get an Extended Vehicle Service Contract?

Contact Route 31 Credit Union or call Auto Exam toll free (800) 709-5792 or visit www.autoexam.com for more information on the Vision Warranty Program provided by Auto Exam.

GAP Waiver

You’ve just financed your dream car.

Before you drive away, consider this:

  • The car began depreciating immediately.
  • One in three Americans will suffer the total loss of a vehicle.
  • One in every 20 drivers will experience an unrecovered theft.

Vehicle prices continue to increase and at the same time we want longer loan terms and are making smaller down payments. It’s typical for a vehicle’s outstanding loan balance to be significantly higher than its actual cash value, especially during the first few years of the loan.

If your vehicle is totaled or stolen, your insurance settlement will be based on its actual cash value, not the outstanding loan balance. This may create a deficiency balance or a “gap”.

We have the product that will prevent you from incurring a financial loss…Guaranteed Asset Protection (GAP). This product eliminates the potential for loss in the event your vehicle is totaled or stolen.

Without GAP you are liable for the deficiency balance.

Debt Protection

Your family means everything to you.  If the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry.  That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:
  • Involuntary unemployment
    A covered job loss occurs
  • Disability
    A covered disability occurs due to illness or injury
  • Death
    Protected borrower passes away

Things to know about Debt Protection:

  • It’s easy
    Simple to apply for and takes effect immediately.
  • It’s budget-friendly
    Comfortably fits into your monthly payment.
  • It puts you at ease
    Rest easy, knowing you’re taken care of in so many problem situations.


Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions and exclusions may apply.  
You may cancel the protection at any time.  If you cancel protection within 30 days, you will receive a full refund of any fee paid.


We offer CARFAX reports at a discounted price to members.
Order a CARFAX vehicle report through us for $23.99 (regular price is $39.99).