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Auto & Recreational Vehicle Loans

Conservation Employees' Credit Union Loan Officers are here to help you with all your vehicle and recreational loan needs! You can receive loan pre-approval before you shop, and our quick turnaround time ensures that you’ll have your new vehicle as soon as possible. Whether you’re searching for your next car, want to have fun with your new boat, motorcycle, ATV or RV or need a trailer to haul your equipment, CECU has a loan for you.

Vehicles will be accepted as collateral on loans. Loan amounts will be based on 100% of the retail price of both new and used vehicles including insurance and taxes. Retail price will be determined by the vehicle value books (N.A.D.A.). Check the value of your vehicle

Member creditworthiness, insurance, vehicle age and titles all factor in to our auto and recreational vehicle loans. To learn more about credit union requirements and member eligibility guidelines, contact a CECU Loan Officer at (573) 522-4000 or toll free (888) 897-2323.

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Additional Protection

In addition to great vehicle loans with low rates and excellent service, CECU members can also include Guaranteed Auto Protection and Extended Warranties in their financing. Check out how you can add value to your loan:

GAP – Guaranteed Auto Protection

Most people learn about GAP risk the hard way: by believing that their primary insurance will pay off their loan balance if their vehicle is totaled or stolen.

The truth is that your primary insurance carrier will usually pay only the actual cash value of your vehicle, less your deductible. If that sum is less than the loan balance, you have to personally provide the remaining funds. You could end up making payments on a car you can’t even drive!

GAP Insurance is now available on autos, trucks, motorcycles and personal watercraft for a one-time minimal cost (a lot less than the dealers!). This cost can be included in your loan, and will pay off your remaining loan balance should your automobile be stolen or damaged beyond repair. Ask your CECU Loan Officer about this product when you arrange vehicle financing.

Extended Service Contracts

When buying any vehicle, there is always a chance of having a mechanical breakdown. However, you will have peace of mind knowing that most problems can be taken care of with an extended Service Contract from Route 66. With this coverage, you’ll never have to worry about expensive mechanical failure again. CECU provides contracts that cover the following:

  • Nationwide Coverage – protected across the U.S. and in Canada via a toll-free number
  • Towing and Rental – towing and rental reimbursement
  • Direct Payment – repair facility of your choice is paid directly with a corporate VISA, MasterCard or American Express payment
  • Emergency Road Service – toll free number for emergency roadside service
  • Full Coverage – covered for parts and labor on authorized repairs

Ask your CECU Loan Officer for information regarding these contracts when you arrange vehicle financing.

CECU Now Offers CARFAX® Reports

You trust your credit union to offer great service and low auto loan rates, but you can’t always trust private sellers to give you the full history of the vehicle you’re preparing to purchase. That’s why CECU is now proud to offer CARFAX reports to our members for a minimal fee.

With CARFAX, you’ll be protected against the surprise and expense of unknown salvage or flood title, collision history or significant mechanical malfunction. Plus, if the car, truck or van you purchase has a history of problems not listed on your CARFAX report, the Buy Back Guarantee ensures you won’t be stuck with the faulty vehicle.

This service is just one more way CECU is helping our members make smart purchases and sound financial decisions.