Credit Union Loans at Dealerships

Credit Union Auto Loans at the Dealership

Credit Union Direct Lending - You can apply for a car loan from St. Cloud Federal Credit Union right at the dealership, when you're ready to buy your car. There's no need to take extra time just to come to the credit union after you've picked out your new car. All the details of the loan can be handled right at the dealership.

The dealer fills out the application online while you and your family are looking over your new vehicle. You get a response in minutes about your loan approval.

You get St. Cloud Federal Credit Union's everyday low rate on your loan! No delays -- it's all done right away.

The following dealerships are partnering with St. Cloud Federal Credit Union, through the services of Credit Union Direct Lending.

Watch for the Credit Union Direct Lending (CUDL) sign.

Click to search the CUDL AutoSmart web site for cars available at participating dealerships.

Buy your car from one of our preferred dealerships and apply for a low-cost credit union loan at the same time, right at the dealership. You don't have to take extra time off from work to take care of the loan. St. Cloud Federal Credit Union makes it as easy for you as possible.

Preferred Dealerships
The dealers listed here have earned your credit union’s trust, and they look forward to providing you fair pricing and the best possible service. To help you research your car buying decisions, we provide the AutoSmart site, with tons of great tools and information!

Go to the AutoSmart site and click on PREFERRED DEALERS. View a particular dealer’s inventory or view a map showing their location. Educate yourself before you call and make an appointment with the dealership of your choice.

Note: Not all of the dealerships listed below are represented on the AutoSmart site. However, the credit union recommends that you consider all the dealerships listed on this page when you shop for your next vehicle.

(Revised 7-21-08)

Brandl Motors
14873 113th Street
Little Falls MN, 56345
(320) 632-2908

Car Smart of St. Cloud
1715 Division Street
Saint Cloud, MN 56301
(320) 230-9898

Denny Hecker's Bargain Lot
2055 12th Street SE
St. Cloud, MN 56304
(320) 251-7200

Denny Hecker's Brainerd Baxter Toyota, Scion
7036 Lake Forest Road
Baxter, MN 56425
(218) 454-2200

Denny Hecker's Hyundai
900 2nd Street South
Waite Park, MN 56387
(320) 251-8200

Denny Hecker's Sartell Bargain Lot
1601 Riverside Ave S
Sartell, MN 56377
(320) 252-0050

Don Robinson Motors, Inc.
3605 West St. Germain
Saint Cloud, MN 56301
(320) 654-1310

Eich Motor Company
1931 West Division Street
Saint Cloud, MN 56302
(320) 251-1737

Gilleland Chevrolet
3019 Division Street W
St. Cloud, MN 56301
(320) 251-4943

Gould Chevrolet
3939 Chelsea Road West
Monticello, MN 55362
(763) 295-2911

KIA of St. Cloud
901 Second Street South
Waite Park, MN 56387
(320) 259-4542

McKays
2020 Division St
Waite Park, MN 56367
(320) 252-7170

Miller Auto Marine Sports Center
2930 2nd Street South
Saint Cloud, MN 56301
(320) 251-8900

Monticello Ford
PO Box 68
Monticello, MN 55362
(763) 255-2056

Pleasureland RV Center and
Pleasureland Auto Sales
25064 August Dr
St. Cloud, MN 56304
(320) 251-7588

Sell's Auto Center
3018 Division Street
Saint Cloud, MN 56301
(888) 244-7355

St. Cloud Subaru
4110 Division St W
St. Cloud, MN 56301
(320) 258-5050

St. Cloud Toyota
418 Second St S
Waite Park, MN 56387
(320) 253-2581

Tenvoorde Ford, Inc.
185 Roosevelt Road
Saint Cloud, MN 56301
(888) 273-0540

Vos Motors
965 Benton Drive North
Sauk Rapids, MN 56379
(320) 229-1065

Vos Sales
1850 7th Street North
St. Cloud, MN 56303
(320) 255-1065

To learn more details about Credit Union Dealer Loans,
please continue reading . . .

One Stop Credit Union Financing,
Where You Need It, When You Need It . . .
At the Auto Dealership!

St. Cloud Federal Credit Union has partnered with Credit Union Direct Lending® (CUDL) to make buying your next new or used vehicle easier and more convenient. With Credit Union Direct Lending, you get your St. Cloud Federal auto financing within minutes, right at the dealership! See the list of participating dealerships above.

From 7 a.m. until midnight, seven days a week, including holidays, our participating dealerships can approve your St. Cloud Federal auto financing—without the need to visit St. Cloud Federal. This program utilizes St. Cloud Federal’s current low auto loan rates and terms when financing your vehicle. Best of all, the Credit Union Direct Lending program is simple for both members and dealers to use!

How Credit Union Direct Lending works:
1) Visit any participating dealership.
2) Choose your vehicle.
3) Apply for St. Cloud Federal's low-rate auto financing right at the dealership. Within minutes, you’ll have a financing decision.

Once the financing is approved, the dealership receives the credit union’s terms and conditions, completes the sales contract, and you drive the vehicle off the lot. Don’t worry about the paperwork—through St. Cloud Federal, the dealer, and Credit Union Direct Lending, it is all taken care of electronically.

Be sure to look for the Credit Union Direct Lending logo (at left) when shopping at the dealerships. This logo signifies that the dealer can offer financing from St. Cloud Federal Credit Union. Make sure to identify yourself as a member of St. Cloud Federal Credit Union, and ask for your financing through St. Cloud Federal Credit Union.

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New, Enhanced Online Banking Debuts
Starting June 17, we introduced a new, enhanced Online Banking service. Please read this page.

MasterCard Payment Options: To see your options for making MasterCard payments, please click here.