Finance or refinance your vehicle this fall and get a break from both payments and interest for the first 90 days.
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Whether you're buying a new vehicle, shopping used, or refinancing an auto loan from another lender, Waterfront can help you save.
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Don't assume you're stuck with your current rate. If your vehicle is financed somewhere else, refinancing with Waterfront could help lower your rate and save you money.
Check your current rate against ours and see if it's time to leaf it behind.
Apply For Refinancing Today
Don't Wait. Offer Ends November 30.
90 Days. 0% Interest. No Payments.
We make applying easy by clicking on the button below to go directly to our online loan application. But you can always contact us or stop into the branch to talk with us first and apply.
To help make your auto buying research and purchasing even better, Waterfront members have direct access to our Credit Union Direct Lending® (CUDL) partner—CUDL AutoSmart.
By visiting CUDL AutoSmart, you can:
On the homepage of the website, a button links to an Auto Buying Tips article. These tips will guide you through the process and resources available for researching a vehicle before visiting the dealership.
Compare new or used vehicles online by year, vehicle type or price range. You may even configure multiple vehicles side-by-side to compare the options and prices before narrowing your search.
Once you’ve configured a new vehicle and selected all of your options, click the “Locate” button and fill in your Zip Code, make of your vehicle and how far you are willing to travel. You will instantly receive a list of dealers*—select your contact method then submit your information to one or all for pricing and availability. The dealers will contact you with information on your vehicle.
Decide which dealer has the best price and contact them to set an appointment. Make sure to identify yourself as a Waterfront Credit Union member and ask for Waterfront financing through the CUDL system.
Don't forget, you can get pre-approved before you start shopping.
If you have any questions or would like more information before or during your CUDL AutoSmart experience, simply contact us and we'll be happy to help you.
*All CUDL dealers can offer you Waterfront Federal Credit Union financing. Only the dealers listed with gold stars on the CUDL website participate in the CUDL Auto Buying Program and can provide new vehicle pricing through the Internet.
*APR = Annual Percentage Rate. Auto loan rates as low as 3.64% APR. Stated rates are the lowest available for qualified borrowers and include all applicable discounts. Actual rate may vary based on creditworthiness, loan amount, term, and collateral. Rate discounts available on select loan products. **The interest rate is 0% for the first 90 days of the loan, and no payment is due during the first 90 days. After the 90-day promotional period, interest will accrue at the applicable contract rate. Offer available for new and used auto purchases and refinances of vehicles currently financed with another lender; existing Waterfront Federal Credit Union loans are not eligible for refinance under this offer. All loans subject to credit approval. Membership required. Terms and conditions apply. Offer valid September 18 through November 30, 2026, and is subject to change without notice. Federally insured by NCUA.