CUDL
Credit Union Direct Lending
Save Time At The Dealership. Get CUDL Connected.
With CUDL, access credit union savings at the dealership and get behind the wheel quickly.
Financing a car should be fast and painless. CUDL (Credit Union Direct Lending) is the auto financing network that lets you access SafeAmerica Credit Union's low auto loan rates at top car dealerships. That means you can expedite your financing once you’re ready to buy, and spend less time at the dealership.
Here's how to take advantage of CUDL's benefits:
Credit Union Direct Lending
Access SafeAmerica Credit Union's financing, right at the dealership.
Get Pre-Approved
Before you start car shopping, it’s a good idea to get pre-approved so you know how much money you can expect to receive from your loan. It also helps you set a budget, so you can find a great car at an affordable price.
Find Your Perfect Car
CUDL AutoSMART connects SafeAmerica Credit Union to local auto dealerships…and even ones across the country. Research your preferred make and model, and find out where it’s available.
Access Your Pre-Approval At The Dealer
As a CUDL partner, the dealer can easily access your pre-approved loan. Just remember to mention that you’re a SafeAmerica Credit Union member, and ask about CUDL financing.
Nationwide Network of Dealers
Choose from one of our thousands of connected auto dealerships.
Want to see how CUDL can accelerate the car-buying process? Get pre-approved today!
Not a member of SafeAmerica Credit Union?
No problem. Tell your dealer you want to finance with SafeAmerica Credit Union. You can apply right at the dealership and receive a quick response. Once you finance with us, your membership, which includes a regular savings account, will be established. Save time, and join now!
Rates
| Auto Loan Rates Rates as of 1-1-25 | ||
|---|---|---|
| Term | Best APR1 New (2024 or newer) | Best APR1 Used (2018 or newer) |
| 24 months | 5.49% | 5.69% |
| 36 months | 5.49% | 5.69% |
| 48 months | 5.49% | 5.69% |
| 60 months | 5.49% | 5.69% |
| 66 months | 5.49% | 5.69% |
| 72 months | 5.99% | 6.19% |
| 84 months | 6.24% | 6.44% |
| 96 months* | 9.24% | 9.44% |
1 APR (Annual Percentage Rate) is the best available and subject to change without notice; includes a 0.25% discount when you set up automatic payment at time of loan origination; rate may be higher depending on factors such as creditworthiness, age or value of the vehicle, LTV, amount financed and terms and conditions. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. Payment sample: $18.00 per month per $1,000 borrowed for 66 months at 5.74%. New rates are for vehicles with less than 10,000 miles. Discount may be revoked if requirements are not met. Existing SafeAmerica auto loans are not eligible for refinance. Loans require SafeAmerica membership. All loans subject to credit approval.
*Minimum loan amount for 96 month term is $30,000. Tier 1 credit qualification only and a 730 FICO score.
