Auto Loans

Set the Vibe for your next road trip.

Buying a vehicle should feel exciting, not stressful. Whether you’re buying something new, used, or refinancing what you already have, we can help you find the loan that fits your budget and your goals. 

Hit the road in Michigan and actually enjoy the ride. Your wallet will, too. 

APR¹ as low as
4.74%

Your Next Ride Starts Here.







Auto Loans that fit your life, not the other way around.

Whether you’re cruising Woodward or heading up north, Vibe is here to help you get there smoothly, affordably, and in style. With competitive rates, flexible terms, and discounts for loyal members, we make it easy to get to where you need to go. 
  • Financing available for new, used, and refinanced vehicles
  • Terms up to 84 months, or 48 months for older models
  • Competitive fixed rates with available member discounts
  • Select your payment due date

  • Full insurance required if loan balance exceeds $4,000

  • No early payoff penalties

  • Local decisions and personalized member service
 
1 APR= Annual Percentage Rate. All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account. Quoted rates include a 0.25% member loyalty rate discount when auto pay is set up to cover the full payment amount of all Vibe loans. Members can receive an additional 0.25% member loyalty rate discount off the stated rate by having a mortgage and/or home equity loan with a balance of $25,000 or greater. A processing charge of $100 may apply if a refinance of an existing Vibe loan is permitted. Promotional details are subject to change. Some restrictions may apply.

Lease ending soon? We can help you own your ride.

Turn your leased vehicle into something that’s truly yours with a Lease Buyout Auto Loan² from Vibe. Members enjoy competitive rates, a smooth application process, and support at every step. Not sure if this would be a good fit? Here are some things to consider when buying out your current lease:
  • You already know the vehicle. 

    You understand how it drives and how well it’s been maintained, so there are no surprises.

  • Avoid end-of-lease fees.
    Buying out the lease can help you skip possible mileage charges or wear and tear costs.
  • Lock in a solid rate.
    Financing the buyout with Vibe can offer a predictable payment and competitive rate.
  • Keep the car you already love.
    If your vehicle has been dependable, buying it out keeps your routine simple.

Reach out anytime. We’ll walk you through your options and help you choose what fits your budget best.
 
 
2 Restrictions may apply. Approval and rate are based on individual credit history. Rates subject to change. New members must qualify for membership and deposit $5 in a Vibe Savings Account.


Vibe’s First-Time Auto Loan 


  • For new or used vehicles up to 8 years old

  • Borrow up to $25,000 with terms up to 60 months

  • Opportunity to lower your rate by 2.00% after 6 consecutive on-time payments

  • Full insurance required if loan balance exceeds $4,000

  • Builds positive credit history through consistent payment habits

  • Local support from people who care about your goals


Approval and rates are based on individual credit history. To qualify (1) must be a first-time buyer with no previous auto credit, (2) vehicle model year must be 2018 or newer with fewer than 120,000 miles, (3) a required deposit of $500 to be placed on hold in a Vibe savings account, (4) applicants must be employed for a minimum of 6 months with verifiable income of at least $18,000 per year, (5) 90% loan to value or trade equity is required. New members must qualify for membership and deposit $5 in a Vibe Savings Account. 

Vibe’s Fresh Start Auto Loan 

 

  • Borrow up to $25,000 with terms up to 72 months

  • Opportunity to lower your rate by 2% after 24 consecutive on-time payments
  • $500 hold released after 12 months of on-time payments
  • Requires 6 months of steady employment and $18,000 annual income
  • Fixed, affordable rates with no prepayment penalties
  • Designed to help you rebuild credit and confidence



Auto Loan Resources

Curious what your monthly payment might look like?
Crunch the numbers in just a few clicks.
 


Auto Loan Add-Ons
We offer a variety of loan protection products including GAP and Depreciation Protection, Extended Warranty programs, and Tire and Wheel Protection to help you when unforeseeable events happen. 
 

share the vibe
“The team was so kind, helpful, and informative throughout the whole process. I’ve already recommended Vibe to friends and family for consideration for their next auto loans.
11/10 would recommend.”
Max M.












Your Auto Loan Questions, Answered.

Approval amounts vary based on your credit history, income, and overall budget. When you apply, we review everything together to help you understand what’s realistic and comfortable.
Your rate is tied to factors such as your credit score, loan term, and the type of vehicle you’re financing. We’ll walk you through your options so you know exactly what to expect.

You’ll usually need a valid ID, recent income information, and details about the vehicle you’re buying or refinancing. Having these ready helps the process move quickly.

Most members hear back fast. Once you apply, we review your application and let you know your next steps as soon as possible.
Yes. Pre-approval provides a clear budget, making car shopping easier and increasing your confidence at the dealership.
New and used vehicles may qualify for different rates. Refinancing can help you adjust your payment or rate on a vehicle you already own. We’ll help you compare options based on your goals.
A credit check is part of the application process. It’s a normal step for any auto loan, and we’re here to answer questions about how it works.