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Auto Loans

At Achieve Financial, you’ll find competitive rates and flexible terms on new and used auto loans as well as refinances and auto lease buyout loans. We can also do pre-approvals so you can shop with confidence and stick to your budget.

An Auto lease buyout loan gives you the money you need to buy out your currently leased car, either at the end or before the end of your lease, instead of returning it. When applying for an auto lease buyout loan with Achieve Financial select "Vehicle Purchase".

View Rates   Apply Now

      Auto Loan Features include:


Finance a car loan with Achieve when you're purchasing a car at a participating dealership.
Our Indirect Auto Lending program allows you to buy a new or used vehicle right at a Schaller dealership, making it easy and convenient to do your financing all in one place!  You can even set-up automatic loan payments through your online banking account.


How much car can you afford?
Use our Car Loan Calculator to help you determine your monthly car loan payment or your car purchase price.

1First payment will be due 90 days from closing of the loan. Minimum refinance amount of $10,000 is required. Loan interest continues to accrue during 90-day deferred payment period. Offer does not apply to existing Achieve Financial auto loans. Restrictions may apply.

2Restrictions may apply.  Rates and terms are based on individual credit history. Terms not to exceed 84 months.


Auto Loan Refinance

Have you ever wondered if you could get a better interest rate, lower a car payment, or reduce the term of your loan? Chances are, you can. We’re always looking for ways to save you money and help you grow your finances. On average, the credit union saves members 4.00% when they refinance their car, motorcycle or RV loans to Achieve.1

Achieve Auto Refinance Benefits:

  • Limited time offer - No car payments for 90 days2.
  • Rates as low as 2.49% APR3.
  • Save on interest and lower your car payment.
  • Flexible terms up to 84 months.
  • No fees and no prepayment penalty.
  • Easy payment options: Payroll Deduction, Automatic Transfers or Online Transfer.
  • Low-cost payment protection plans, from Credit Life and Disability to Insurance to Auto Coverage.

How do I get started?

Simply fill out the form below to have an Achieve Financial Credit Union staff member contact you for a free financial review and see what we can save you. In order for the credit union to review your finances, membership is required.

Not a member yet? Click here to open an account.

Have questions? Call 860.828.2790 - Option 2.

Please have your vehicle identification number (VIN), mileage of the vehicle and the term and rate of your current vehicle loan ready.

Auto Loan refinancing does not apply to existing Achieve Financial loans. Vehicles must be registered in the state of Connecticut.

Auto Refinance Challenge Form

1Accuracy cannot be guaranteed. Average rate savings of 4.00% is based on data from refinanced Achieve vehicle loans from the prior year.  Actual savings may vary. Refinances are for non-Achieve loans only. A basic savings with a minimum of $5.00 is required for credit union membership. Restrictions may apply. Vehicles must be registered in the state of Connecticut.

2First payment will be due 90 days from closing of the loan. Minimum refinance amount of $10,000 is required. Loan interest continues to accrue during 90-day deferred payment period. Offer does not apply to existing Achieve Financial auto loans. Restrictions may apply.

3APR = Annual Percentage Rate. At 2.49% APR for 48 months, monthly principal and interest is $21.91 per $1,000 borrowed. Rate effective as of 3/31/2020 and subject to change. Rate does not apply to existing Achieve auto loans. Other rates and terms available. Individual rates based on credit score. Vehicles must be registered in Connecticut.


Recreational Vehicles - New/Used/Refinances

If you’re in the market for a new or used camper, boat, motorcycle or other recreational vehicle, turn to Achieve Financial for loans with low rates, flexible terms and for payments that fit your budget.

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We offer recreational loans for new or used purchases as well as refinancing for:

  • Motorcycles
  • Recreational Vehicles (RV)
  • All-Terrain Vehicles (ATV)
  • Boats
  • Boat trailers
  • Jet Skis
  • Snowmobiles

Value Added Service on your Loan


*Restrictions may apply. Terms and rates subject to individual credit approval.  Motorcycle loans not to exceed 83 months
**GAP Advantage available on motorcycle, ATV, Jet Ski and Snowmobile loans only. Must be 18 to apply for a loan.

Auto Insurance

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services and 24/7 claims service.

If you haven’t compared auto insurance lately, it’s a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ is the marketing brand for the Auto & Home Insurance Program made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Auto Buying Advisor

It’s time to begin the search for a new car
Credit Union members are granted access to local dealership network inventories through the AutoSmart website. Check out this great resource center.


With AutoSmart & Achieve Financial, you can…

  • Research new and pre-owned vehicles
  • Research inventory at our Preferred Dealerships
  • Get dealer price quotes
  • Build and compare vehicles
  • Determine your trade-in value
  • Apply online & get pre-approved with a credit union loan

Enterprise Auto Loans

Looking for a quality used vehicle? Achieve Financial has partnered with Enterprise Car Sales to give our members a worry-free way to shop for and finance used vehicles. Choose from a large selection of cars and trucks, all of which are certified through a 109-point vehicle inspection.       

The best way to buy and finance your next vehicle is to borrow from Achieve Financial and buy from
Enterprise car sales. Get pre-approved today by calling 860-828-2790, Option 2.

Apply Today  View Rates

All Enterprise Car Sales vehicles come with:

  • 12-month/12,000 Mile Limited Powertrain Warranty
  • 12-month Roadside Assistance
  • Free CARFAX® Reports
  • No-Haggle Pricing
  • 7-day Repurchase Agreement

Find Your Next Car

Visit us at Enterprise Car Sales
E. Hartford l 411 Connecticut Blvd.
Wallingford l 856 N Colony Rd


Federally Insured by NCUA                                                                                                                                                                         EOL


The “e” logo & Enterprise are trademarks of Enterprise Holdings,Inc. All other trademarks are the property of their respective owners. © 2020 Enterprise Car Sales.Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company's lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The “e” logo & Enterprise are trademarks of Enterprise Holdings,Inc. All other trademarks are the property of their respective owners. © 2020 Enterprise Car Sales.


Skip-A-Payment Loan Program

If you find yourself needing a break from your Achieve Financial loan payment, free up some extra cash with our Skip-A-Payment program. When you have an Auto or Personal Loan at Achieve, we’ll let you Skip-A-Payment once in a 6-month period, for a small fee.*

Loan Skip-A-Pay Request

Please complete the form below if you would like to skip your Achieve Financial Credit Union loan payment. A Credit Union employee will review your account and process your request.

Check your account via online banking in 24-48 hours to confirm your request was processed.
Please note the following before proceeding:

  • Interest will continue to accrue on the loan during this time.
  • Your loan term will be extended by the number of skipped loan payments.
  • If you have set up scheduled payments through online banking you must cancel those transfers yourself.
  • If you have GAP insurance on a vehicle loan you may owe any skipped payments in the event of a total loss.

After requesting a Skip-A-Payment, you can only qualify for one additional skip.

Skip-a-Payment Form

For questions, please call 860.828.2790 ext. 8521

*Achieve Financial members in good standing have the opportunity to skip one month’s loan payment within a 6 month period. For a nominal processing fee, we will advance your next payment due date by one month. The Skip-A-Payment service is being offered on Personal/Unsecured Loans and Auto Loans only. A maximum of two payments may be skipped during the term of an auto loan. Loans secured by real estate, as well as Visa credit cards are not eligible. Other terms and conditions apply.

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