We Have Funds You Need

We have just the right product to take care of any of your auto or recreational needs. You will enjoy competitive interest rates and financing terms.

  • New and Used Auto
  • Motorcycle and ATV
  • Camper, Motor Home and Travel Trailer
  • Watercraft
  • Farm Equipment
  • Certificate Secured Loans

Credit Union Direct Lending (CUDL)

Auto Dealers CUDL
Bayer Heritage Federal Credit Union has partnered with Credit Union Direct Lending (CUDL) in West Virginia, Ohio and South Carolina to give each member the opportunity for one-stop vehicle purchase and Bayer HFCU financing. Now you can get your loan decision and complete all the loan documents right at the dealership when using one of our CUDL-partner dealerships.

The AutoSMART program was developed by CUDL and is an on-line resource for members. This program will help guide you through your next purchase. Use AutoSMART to:

  • Research and compare cars
  • See all participating dealers
  • View dealer inventory
  • Calculate trade-in value on your existing car
  • Get a free vehicle history report
  • Look up manufactures rebates and incentives
  • Get tips on buy your next car
  • And so much more…..

Available for your peace of mind:

Payment Protection

  • Life Plus: Cancels your loan balance up to $100,000 (under age 70) and up to $25,000 (after age 70) should you become deceased before paying off the loan. This protects your family from inheriting your debts. Additional protection including: Accidental Dismemberment, Terminal Illness, Hospitalization and Family Medical Leave.
  • Disability: Cancels your monthly loan payments for a period of time if you are unable to work due to illness or injury.
  • Involuntary Unemployment: Cancels your monthly loan payments for a period of time if you become involuntarily unemployed.

GAP Insurance 
Guaranteed Auto Protection offers protection in the event that your vehicle is damaged beyond repair or stolen and never recovered. GAP covers the difference between the value of the vehicle and the loan balance, less the insurance settlement. GAP Plus will also contribute $2,500 toward the purchase of a replacement vehicle when it is financed with the credit union within 120 days of the loss.

Mechanical Repair Coverage 
Mechanical Repair Coverage can help limit cost of repairs. You pay only the applicable deductible, if any.

Added benefits to your loan:

  • Special Rate Discounts for Auto Pay, Direct Deposit or ACH
  • No Prepayment Penalties
  • Up to 120% Financing for Qualified Borrowers
  • Flexible loan terms

Stop by Bayer Heritage FCU today for a pre-approval.

For more information call 800-272-6003 ext. 1483 or visit a lending professional at your nearest credit union office.

Apply for a loan online now

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