Finance your new or used vehicle with competitive rates through Vibrant Credit Union’s trusted dealership network. Fast, easy, and convenient auto loans to get you on the road. Frequently asked questions How long does approval take? Approvals are almost instant. Once you complete the short application at the dealership, most financing decisions come back within minutes, so you can finalize your loan and drive away the same day. Can I manage my loan online? Yes — you can make payments, view your balance, and track your loan progress anytime through your Vibrant account or mobile app. Can I finance both new and used vehicles? Absolutely — financing is available for both new and pre-owned vehicles. Are the loan terms flexible? Yes. Terms vary based on vehicle age, mileage, loan amount to vehicle value and your credit history. Where can I find a participating dealer? We’re expanding our dealer network rapidly across Illinois, Iowa, and Wisconsin. New dealerships are joining Vibrant every month, giving you more places to shop, finance, and drive away with ease. Check back soon for our up-to-date list of participating dealers — chances are, your favorite lot will be on it soon. Do I need to be a Vibrant member to finance my vehicle? Yes — but becoming a member is easy. When you finance through a participating dealer, anyone can join. As part of the loan process, the dealer makes a $5 donation on your behalf to the Be the Good Foundation, so you automatically become a member while supporting community programs. One Stop for Your Vehicle and Your Loan Enjoy a simple, streamlined financing experience — all handled right at the dealership. Find a dealership GetMyCash Competitive rates designed to fit your budget Convenient on-site financing apply and get approved at the dealership Money in your account fast with same-day funding available Fast, easy process no extra steps, just a smooth path to your next ride Manage your loan anytime directly through your Vibrant account and mobile app How it works Financing your next vehicle through Vibrant is simple, fast, and designed to keep everything in one place. Here’s what to expect: Visit a participating dealer— Head to one of our trusted dealerships (see list of dealerships ). Find your vehicle— Shop new or used vehicle with confidence, knowing you have Vibrant financing options available on the spot. Apply and get approved at the dealership— Complete your financing application right there with the dealer — no extra trips or paperwork. Drive away the same day— Once approved, you can take the keys and hit the road immediately. Manage your loan with ease— Track payments, view your balance, and stay on top of your loan anytime through your Vibrant online account or mobile app. How it works How it works Visit a participating dealer (list coming soon) Choose your vehicle — new or used Finance through Vibrant directly at the dealership Drive away with confidence. Ready to get started? Click below to see if you qualify for GetMyCash. It’s quick, it’s secure, and it’s designed to work when life doesn’t. Apply now Interested in becoming a dealer? body copy body copy. Learn more