One Stop for Your Vehicle and Your Loan
Enjoy a simple, streamlined financing experience — all handled right at the dealership.
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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:
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Visit a participating dealer—Head to one of our trusted dealerships (see list of dealerships).
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Find your vehicle—Shop new or used vehicle with confidence, knowing you have Vibrant financing options available on the spot.
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Apply and get approved at the dealership—Complete your financing application right there with the dealer — no extra trips or paperwork.
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Drive away the same day—Once approved, you can take the keys and hit the road immediately.
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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.
We're proud to partner with some of the best dealerships in the region
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
Managing your vehicle loan
Buying a vehicle is exciting, but there are a few important things to keep in mind after you drive off the lot:
Submit proof of insurance
While you're paying off your Vibrant loan, the financed vehicle must maintain full coverage insurance. Send us the declarations page from your insurance provider—visit www.myinsuranceinfo.com or call 800-523-6404.
Questions about your vehicle title
Vibrant holds your vehicle title until the loan is paid in full. If you have questions about title status, our team can help guide you through the process.
Optional Vehicle Protection Products
If you need to cancel ancillary product—such as extended warranties, GAP coverage, or service contracts—contact the dealership or product provider where the coverage was purchased. If you're unsure who to contact, our team can help point you in the right direction.
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 check your balance, make payments, and set up recurring payments online through our Loan Payment Portal. You can also make payments and view your other Vibrant accounts through Vibrant Online Banking.
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. Click here 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.
Early Pay Off
What products may be affected when I pay off my loan early?
If any of the following products were financed into your vehicle loan, they may be eligible for a refund of unused premiums upon early payoff:
GAP Insurance
Credit Life/Disability Insurance
Vehicle Service Contracts (VSCs)
These products were sold through the dealership at the time of your vehicle purchase and financed as part of your loan. Contact us if you are unsure which products are attached to your account.
What will Vibrant Credit Union handle for me?
Vibrant Credit Union will promptly initiate cancellation on your behalf for GAP Insurance and Credit Life/Disability Insurance. You do not need to contact those providers directly.
If you have questions about the status of a refund for these products, please contact our Loan Operations Department at (800) 323-5109 or by email at indirectcancellations@vibrantcu.org.
Do I need to do anything myself?
Yes, for Vehicle Service Contracts (VSCs) you will need to contact the provider directly to request cancellation and any applicable refund. We recommend reaching out as soon as possible, as refund eligibility may be subject to deadlines set by each provider.
Before you call, have the following ready:
Your loan account number
Vehicle Identification Number (VIN)
Loan payoff confirmation
Please note: Cancellation of these products is entirely optional. If your Vehicle Service Contract still provides value for your vehicle, you are under no obligation to cancel. The decision to retain or cancel coverage is a personal one based on your individual needs and circumstances. We encourage you to review your coverage terms before making any changes.
Where will my refund go?
For products cancelled by Vibrant Credit Union, any refund received will be credited to your eligible Vibrant account. If you do not have an active account with us at the time the refund is received, a check will be mailed to the address on file.
For products you cancel directly with the provider, the refund destination will be determined by the provider's process.
How long does the refund process take?
Vibrant Credit Union will initiate cancellations promptly upon receiving your payoff confirmation. The timeline for receiving a refund depends on the individual product provider's processing schedule, which is outside of our control. If you have questions about the status of a refund, please contact our Loan Operations Department at (800) 323-5109 or by email at indirectcancellations@vibrantcu.org.
I closed my Vibrant account when I paid off my loan. How will I receive my refund?
If you do not have an active Vibrant account at the time a refund is received on your behalf, we will mail a check to the address on file. Please make sure your mailing address is current. You can update your address by contacting our Loan Operations Department at (800) 323-5109, by email at indirectcancellations@vibrantcu.org, or visiting vibrantcreditunion.org.
Who do I contact if I have more questions?
Our Loan Operations Department is happy to help. Reach us by phone at (800) 323-5109, by email at indirectcancellations@vibrantcu.org, or visit vibrantcreditunion.org for additional resources.