Finding, financing, and insuring your vehicle doesn’t have to be complicated. Energy Capital CU offers competitively low rates and local service from experts who care about you. Financing should be transparent, and managing your payments should be convenient.
After 92 years of prioritizing exceptional member service, we’ve streamlined our process to be simple and affordable. Take advantage of all of the following ways that financing with Energy Capital CU makes it easier to get on the road quickly.
What You Need to Know
Auto Loan Financing Steps:
- Get Pre-approved
- Browse Vehicle Options Online
- Find Low Rates and Promotions
- Get Answers from Local Experts
- Bundle with Insurance
- Manage Payments with Online Banking
- Consider Refinancing Options
Start With Pre-Approval
You can apply for pre-approval online in minutes with our simple application process. We recommend our members start with pre-approval, since it creates a more streamlined shopping and purchase experience.
- Step 1. Apply online. Submit an easy application online in minutes to get started.
- Step 2. Get your Premier Check. When you get pre-approved, you will receive an Energy Capital CU Premier Check in the mail or in person at our branch.
- Step 3. Buy your vehicle. Take the Energy Capital CU Premiere Check to any franchised dealership for payment on the vehicle you choose. The check will come with detailed instructions on how to fill it out and how the dealership can finalize the receipt of the payment.
With an Energy Capital CU ‘Premiere Check’ you already have up to 100% financing when you enter the dealership. This means you will be able to think clearly and focus on getting the best deal on the total price of the vehicle, rather than discussing monthly payments.
The Consumer Financial Protection Bureau recommends pre-approvals as a strategy to improve your bargaining power at the dealership. Uncomplicate the purchase process and know exactly how much you can afford with an Energy Capital CU ‘Premiere Check’.
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Browse Vehicles Online
Car shopping requires a lot of time, effort, and research, but you can shop for your next vehicle with ease. Simplify the process with the Energy Capital CU auto buying center. Browse inventory on the site from a large pool of dealerships we partner with to get a better idea of the vehicle you want, and see what’s available before you even leave the house. Search our user-friendly site with all the following filters and more.
- Make, Model, Mileage, Price, New or used, Body type, Color, Drivetrain, Engine & fuel type, Transmission
If you’re not exactly certain what you’re looking for yet, you can browse our full inventory until you see something you like. When you’re interested in a specific vehicle, add it to your favorites to save it and keep browsing.
Ready to make a purchase but don’t know where to start or who to trust? Browse our list of preferred dealers near you in the auto buying center.
Get Affordable Financing
Energy Capital CU members have access to lower rates and convenient benefits. As a member-owned credit union, we focus on member satisfaction, not profits. We give back our profits to members through competitively low rates and promotions. That’s why you can finance your vehicle with a rate as low as 5.00% APR* and 90 days of no payments!* With this special offer, you won’t have to wait to start driving the vehicle of your dreams! Apply today and avoid making payments for the first 3 months of the loan.
Dealerships may offer enticing rates or payments, but it’s important to pay attention to the whole picture. Energy Capital CU gives you affordable and transparent pricing through the life of your loan–that won’t take years and years to pay off. If rates drop, you can refinance!
Local Service From Experts Who Care
Officers have the expertise to help you understand your options with the care and patience you deserve. But don’t take our word for it–hear from our members!
“I have been looking to refinance my vehicle for a very long time. A very stressful situation was made extremely easy and straightforward by Jose Ayala, team member for Energy Capital Credit Union.” -Jose H.
“We’ve worked with Glenn Roden on three different loans now, and every single experience has been exceptional. He consistently goes above and beyond, always treating us with the utmost respect and professionalism. Glenn’s positive attitude, clear communication, and dedication make the process smooth and stress-free every time. He truly cares about his clients and takes the time to explain every detail, making sure we feel confident and informed. It’s rare to find someone so reliable, honest, and genuinely committed to excellent customer service.” -Isabel G.
We’ve helped happy members like these and so many more to start driving with manageable payments that they understand. Transparency is important to us because helping members move forward with confidence is our top priority. Contact a loan officer today or get additional tailored support from any of our Certified Credit Union Financial Counselors by setting up a FREE meeting.
Bundle and Save
Make sure you’re protected with full coverage auto insurance! You can access all the same great policies and carriers, with local personalized service. Don’t get sent to a call center for hours–talk to your Energy Capital Insurance agent. Get a free estimate tailored to your unique needs with no financial obligation, because we care about getting you the protection you need at a price you can afford.
Save on your auto loan when you combine it with our insurance options. By adding a vehicle service contract, or extended warranty, and multishield protection, you can receive a rate discount of .20% each. On top of saving on your rate, you can bundle multiple insurance policies to save even more with the following Energy Capital Insurance auto loan essentials.
- GAP Coverage
- Extended Warranty
- Payment Protection
- Multishield Protection
Manage Payments With Ease
With Energy Capital Credit Union online and mobile banking, managing payments and taking control of your financial journey is simple. Set up direct deposit and auto pay to never worry about missing a payment. The option to skip a loan payment will be available twice per year in our mobile app.
Get Preapproved Today!
Finance your next vehicle with a financial partner you can trust for life. Everything you’ll need throughout your financial journey is available all in one place, with the care and attention you deserve. There may be good opportunities to adjust your loan over time. If rates drop or your credit has improved, you have the option to refinance your loan to either lower the payments or the term. Get in contact with us today to get started!
*No Payment for 90 Days: 90-day no payment option available to qualified borrowers on approved vehicles. Approval will be based on credit worthiness and credit tiers. Interest will accrue during the 90-day no payment period. Terms and conditions apply. Offer subject to change at any time. Contact ECCU for more details.
*APR = Annual Percentage Rates.Current as of 3/1/2026. Rates are subject to change without notice. APR is accurate as of the last declaration date. Not an offer to lend. Subject to credit and underwriting guidelines. Lowest rate of X.XX% APR for up to 36 months is $29.90 per $1,000 borrowed. Actual rate and term may vary based on credit qualifications and other factors. We do business in accordance with the Equal Housing Lender.
