Credit Union Direct Lending (CUDL) at American Fleet Inc.
Credit Union Direct Lending (CUDL) at American Fleet Inc.
Credit Union Financing Made Easy
At American Fleet Inc., we believe financing your next vehicle should be just as straightforward and transparent as the price of the vehicle itself.
That’s why we’re proud to offer access to Credit Union Direct Lending (CUDL®), allowing qualified customers to conveniently explore financing through participating credit unions right here at our dealership.
Already a member of a participating credit union? Great. You may be able to complete your vehicle financing directly through American Fleet without making an extra trip to your credit union branch.
Not currently a member? Depending on eligibility and the participating credit union, membership options may also be available.
One dealership. One streamlined process. No unnecessary running around.
What Is CUDL®?
CUDL® (pronounced “cuddle”) is a credit union indirect lending platform that connects participating automobile dealerships with credit unions.
Through CUDL, American Fleet can electronically submit a qualified customer's financing application to participating credit unions and, when approved, help complete the vehicle loan process directly at the dealership.
This combines the convenience of dealership financing with access to participating credit-union lending programs.
Why Finance Through CUDL at American Fleet?
Buying a vehicle already involves enough decisions. Financing shouldn't make the process more complicated.
With CUDL at American Fleet Inc., qualified buyers may be able to:
Apply for financing through participating credit unions directly at our dealership
Use an existing relationship with a participating credit union
Explore eligible credit-union membership opportunities
Receive lending decisions without making a separate trip to a branch
Complete eligible loan paperwork at American Fleet
Purchase and finance the vehicle in one convenient location
Our finance team will help guide you through the process from application to delivery.
Do I Need to Be Pre-Approved Before Visiting American Fleet?
No.
You are always welcome to obtain your own pre-approval before shopping, but it isn't required.
If your credit union participates in the CUDL network, American Fleet may be able to submit your application directly to that credit union from our dealership.
If you already have a pre-approval, bring the information with you and our team can help determine the best way to complete your purchase.
I'm Already a Credit Union Member. Can I Finance Through My Credit Union at American Fleet?
Depending on your credit union's participation and lending program, yes.
That's one of the biggest conveniences of CUDL. Instead of finding your vehicle and then leaving the dealership to arrange financing separately, eligible financing may be completed directly through American Fleet.
Ask our Finance Department whether your credit union participates.
I'm Not a Credit Union Member. Can I Still Use CUDL?
Possibly.
Credit unions have different membership requirements. Eligibility may be based on factors such as where you live, where you work, organizations you belong to, family relationships, or other membership criteria established by the individual credit union.
Our team can help identify participating options that may be available, but membership and financing eligibility are ultimately determined by the credit union.
Will I Get the Same Rate as I Would at My Credit Union Branch?
Interest rates, loan terms, approvals, membership requirements, discounts, and other lending conditions are established by the individual credit union and are subject to its underwriting requirements.
Our goal is simple: give you convenient access to available financing options and clearly explain the terms before you sign.
At American Fleet, there should be no guessing about what you're agreeing to.
I Signed My Loan Documents at American Fleet. Do I Still Need to Visit the Credit Union?
In many CUDL transactions, no additional branch visit is necessary.
Once the required financing documents are completed, American Fleet submits the appropriate documentation to the financing credit union.
If your credit union requires anything additional, either our Finance Department or the credit union will let you know.
Can I Set Up Automatic Payments Through American Fleet?
Automatic payments are generally established directly with your credit union after your loan has been finalized.
Because American Fleet does not have access to your personal checking or savings accounts, you'll need to contact your credit union to establish automatic payments, payment discounts, online banking, or other account-specific services.
We'll be happy to point you in the right direction.
What Is a Credit Union?
A credit union is a member-owned financial cooperative.
Unlike traditional for-profit financial institutions, credit unions generally operate to serve their members. Depending on the institution and the applicant's qualifications, they may offer competitive vehicle-loan rates, flexible terms, and other financial products.
Each credit union establishes its own membership requirements, lending guidelines, rates, and loan programs.
Why Choose American Fleet?
Financing is only part of the experience.
At American Fleet Inc., we built our process around something simple:
TRANSPARENT PRICING FROM THE START.
No Hidden Fees.
No Mandatory Add-Ons.
No Surprises.
Our advertised vehicle price is the vehicle price. You pay the advertised price plus applicable tax, license, registration, and disclosed documentation/government fees based on your transaction.
Financing products, Vehicle Service Contracts, GAP coverage, and other eligible protection products are optional unless otherwise required by the terms of a specific lender or transaction and will always be disclosed before you sign.
We want you to understand the vehicle, the price, the financing, and the paperwork before you drive away.
Find Your Vehicle. Choose Your Financing. Drive Home.
Browse our available inventory and find the vehicle that's right for you. When you're ready, contact American Fleet Inc. and ask our Finance Department about CUDL Credit Union Financing.
Already have a credit union? Ask us if we can work with them.
Don't have financing yet? Let us help you explore your available options.
American Fleet Inc.
17052 Foothill Blvd.
Fontana, CA 92335
WE SAY YES.™
Credit approval is not guaranteed. Financing is subject to credit approval, lender underwriting, vehicle eligibility, membership eligibility, and the individual policies, rates, terms, and conditions of participating financial institutions. Not all applicants will qualify. CUDL® and related marks are the property of their respective owners.