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Vehicle & Motorcycle Loans

New & Used Vehicle & Motorcycle Loans

When you're looking to purchase a new or used car, truck or motorcycle—or to refinance a vehicle or motorcycle loan with another financial provider, look to your credit union first. We can get you pre-approved for a loan before you head to the dealer to help make your shopping and negotiating experience much smoother. And if you're wondering if we can save you more on that current loan, just check out our rates and terms to see what we can do for you.

  • The loan may include license, taxes and warranty fees
  • Terms are available up to 7 years depending on the year and type of vehicle, as well as the borrower's credit score
  • Up to 125% financing is available on new cars, trucks and motorcycles
  • GAP and Mechanical Breakdown Insurance is available on most vehicles

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.

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Refinance Calculator


CUDL AutoSmart

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:

Read the Auto Buying Tips

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.

Find Your Vehicle Online (click on Auto Buying Program)

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.

Get a Quote (click on Auto Buying Program)

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.

Make an Appointment and Visit a CUDL Dealer

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.

Apply Today View Rates

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.