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Dealership Car Loans

As a Virginia Credit Union member, you now have the option to get your credit union vehicle financing approved and funded right at the dealer.

Virginia Credit Union's participation in the Credit Union Direct Lending (CUDL®) dealer network makes this possible.

How CUDL works

This program is currently available at Virginia auto dealers displaying the CUDL logo. You can apply while at the dealership.

  • Visit any participating CUDL dealer and identify yourself as a Virginia Credit Union member.
  • Request your Virginia Credit Union financing through the CUDL system.
  • The CUDL system is available anytime during the dealership's business hours.

Contact Member Services at 804-323-6800 or 800-285-6609 and we'll be glad to answer any questions you may have about car loans, rates, and the application process.

Participating Dealers

Below are the participating dealers in Virginia. Dealers are always being added, so check back often.



Empire Ford

Pioneer Chevrolet


Alexandria Hyundai 

Beyer Subaru

BMW of Alexandria

Brown's Alexandria Mazda

Jack Taylor's Alexandria Toyota

Land Rover Alexandria

Lindsay Cadillac

Lindsay Lexus of Alexandria

Mini of Alexandria

Ourisman Chevrolet Buick GMC

Ourisman Chrysler Jeep Dodge Ram of Alexandria

Ourisman Ford Lincoln

Page Chevrolet, Inc.

Passport Infiniti of Alexandria

Passport Nissan

Rosenthal Landmark Honda

Sheehy Honda Alexandria



Discovery Chrysler Dodge Jeep Ram


Freedom Motors of Amherst


Jerry's Ford




Audi Arlington

Brown's Arlington Honda

Koons Arlington Toyota Scion

Mercedes-Benz of Arlington

Porsche of Arlington


Bill Britt Motors

Luck Chevrolet

Patrick Pontiac-Buick-GMC

Sheehy Ford-Mercury Ashland

Whitten Brothers of Ashland

Bailey's Crossroads

Radley Acura

Big Stone Gap

Auto World of Big Stone Gap


Green Automotive


Crabtree Buick GMC


Brown's Chantilly Mazda

Fair Oaks Motors, Inc.

Honda of Chantilly

Hyundai of Chantilly

Jaguar Land Rover of Chantilly

Ourisman Chantilly Kia

Ourisman Chantilly Toyota

Pohanka Acura

Pohanka Chevrolet Inc.

Priority Nissan Chantilly

Sheehy Infiniti Chantilly

Ted Britt Chantilly Ford


Morgan McClure Chevy GMC


BMW of Charlottesville

Brown Chrysler, Dodge, Subaru, Jeep

Brown Honda

Brown Mercedes

Brown Toyota Scion

Colonial Auto Center

Flow Audi, Mazda

Flow Porsche

Flow Volkswagen

Jim Price Chevrolet Hyundai

Mallory Ford of Charlottesville

Mercedes-Benz of Charlottesville

Umansky Chrysler Dodge Jeep Ram of Charlottesville

Umansky Honda of Charlottesville

Umansky Toyota of Charlottesville


Little Joe's Mitsubishi

Loyalty Toyota

West Point Ford


Colonial Honda

Colonial Kia

Gateway Hyundai

Haley Ford

Heritage Chevrolet

Loyalty Nissan Richmond

Loyalty VW

Priority Toyota


60 West Auto Sales

Colonial Subaru


Duncan Ford Lincoln Mazda

Duncan Hokie Honda

Duncan Hyundai

Motor Mile Mitsubishi

Motor Mile Wholesale INC.

Shelor T-C Inc.


Morgan McClure Chevrolet

Colonial Heights

Car Corral II


Nelson Kia Subaru


Battlefield Chevrolet

Battlefield Toyota

Battlefield Ford Culpeper

Chrysler of Culpeper

Koons Automotive of Culpeper


Blackwell Automotive Inc.

Danville Toyota

Robert Woodall Chevrolet

Robert Woodall Hyundai

Robert Woodall Nissan

Steve Padgett's Danville Honda


Myers Ford


Boyd of Emporia

Owen Used Car Center


BMW of Fairfax

Brown's Fairfax Mazda

Brown's Fairfax Nissan

Fairfax Honda Volvo VW

Fairfax Motors

Farrish Chrysler Dodge Jeep

Jim McKay Chevrolet

Ted Britt Fairfax Ford LLC.

Falls Church

Bill Page Honda

Bill Page Toyota

Don Beyer Motors Inc.

Koons Ford Inc.


Fairview Auto Sales and Detailing

Haley of Farmville


Lynchburg Mazda


Lynchburg Mazda

Lynchburg Nissan


Franklin Chevrolet Buick GMC LLC.


Mazda and Volkswagen of Fredericksburg

Mercedes Benz of Fredericksburg

Purvis Ford

Pohanka Auto Center

Pohanka Honda

Radley Cadillac

Radley Imports Inc.

Safford Chrysler Jeep Dodge Ram Fiat of Fredericksburg

Safford Kia of Fredericksburg

Safford Mazda of Fredericksburg

Safford Volkswagen of Fredericksburg

Sheehy Toyota of Fredericksburg

Shirlie Slack Mitsubishi

Sullivan Auto Trading Inc.

Volvo of Fredericksburg

Front Royal

Front Royal Buick GMC

Front Royal Ford


NH&H Auto Sales Of Galax


Parrish Ford

Glen Allen

New Millennium Auto Sales

Northbrook Auto Sales Inc.

Richmond Ford West


Pomoco Nissan

Tysinger Motor Company


Joe Bowman Chevrolet Cadillac

VA Auto Sales


VA Cars West Broad, Inc.


Strosnider Chevrolet


Owen Ford, Inc.

VA Cars of Tri Cities, Inc.

King George

Bayside Ford

Leckner Chrysler Dodge Jeep Ram

Rosner Ford


Blue Ridge Dodge, Ram Jeep Chrysler


Autonation Toyota Leesburg

B&M MotorCars

Brown's Leesburg Hyundai

Country Buick GMC of Leesburg

Dulles Chrysler, Jeep, Dodge, Ram, Subaru, Kia

Hertz Car Sales

Jerry’s Chevrolet Inc.

Jerry’s Leesburg Ford


Kip Killmon Ford


12 Below Auto

Apple Ford of Lynchburg

Auto Connection

Billy Craft Honda

Lynchburg Nissan Clearance Center

Lynchburg Truck and SUV Center

Pinkerton Chevrolet Buick GMC Cadillac

Waterlick Automotive


Eddins Ford

Madison Heights

1st Choice Motors


Auto Giants Mitsubishi

Battlefield Ford and Pre-owned

Bomnin Chevrolet Manassas

Brown's Manassas Hyundai

Brown's Manassas Kia

Brown's Manassas Subaru

Joyce Koons Honda Buick GMC

Lindsay Chrysler Dodge Jeep Ram

Manassas Chevrolet

Manassas Imports

Miller Toyota

Sheehy Auto Outlet Manassas

Sheehy Nissan of Manassas


Marion Automotive Group

Mountain Automotive Group

Worldwide Ford Sales


Leckner Ford of Marshall


Nelson Ford Mazda

Nelson Honda


Bill Talley Ford

Mechanicsville Honda

Mechanicsville Toyota

Mechanicsville Scion

New Millennium Auto Sales Inc. Mechanicsville

Richmond Rocket Auto Sales LLC

Sheehy Auto Outlet

Sheehy Nissan of Mechanicsville


CarLotz, Inc.

Euroclassics Porsche

Haley Chevrolet

Haley Toyota

Haley Volvo

Hyman Bros. Automobiles Midlothian

Hyman Bros. Mitsubishi

Hyman Bros. Nissan Kia

Hyman Bros. Subaru LLC.

Land Rover Richmond

Mercedes-Benz of Richmond

Pearson Honda

Pearson Infiniti

Richmond BMW South

Ultimate Motors


Northern Neck Chevrolet

New Kent

Premier Auto Solutions

Newport News

Hutchens Chevrolet

Hyman Bros. Mazda

Pearson Toyota

Priority Nissan Newport News

Suttle Cadillac, GMC, Buick



Priority Ford

Rick Hendrick Cadillac

Rick Hendrick Chevrolet


Reynolds Buick, GMC, Cadillac, Subaru


Loyalty Used Car Super Center


Haley Chevrolet, Pontiac, GMC

Prince George

Crossroads Chrysler, Jeep, Dodge

Crossroads Ford


Duncan Suzuki


Harvey’s Chevrolet Cadillac Buick


Audi Richmond

Basic Auto Sales of Richmond

Bill Talley Ford

Brown's Buick, VW & Jaguar

Brown's Richmond Truck and Trade

Car America

City to City Auto Sales

City to City Automotive Group

Crown Acura

Davis Auto Sales

Enterprise Car Sales

Grace Auto Sales and Service Inc.

Haley Buick-GMC Trucks

Haley Chrysler, Dodge, Jeep, Ram

Haley Pontiac GMC

Haley Toyota Certified

Hayley Volvo

Hertz Midlothian

Hyman Bros. Automobiles

Lexus of Richmond

M.W. Auto Sales, LLC.

McGeorge Mercedes

McGeorge Toyota Certified Sales Center

McGeorge Toyota (new vehicles)

Moore Cadillac

Nissan of Richmond

Parks Chevrolet RVA

Patrick Kia

Pearson Chrysler, Jeep, Dodge, Ram

Pearson Hyundai

Pearson Kia

Pearson Mazda

Priority West End Super Center

Richmond BMW

Richmond Ford LLC.

Rick Hendrick Chevrolet, Buick, GMC

Royal Chevrolet

Sheehy Ford

Ultimate Buick, GMC

VA Cars Inc.

West Broad Honda

West Broad Hyundai

West Broad Volkswagen

Whitten Brothers Jeep-Chrysler-Mazda

Whitten Fiat of Richmond


Blue Ridge Chrysler, Dodge, Jeep, Ram of Martinsville

Blue Ridge Nissan of Martinsville

Gunter Chrysler Dodge Jeep Ram of Martinsville

Gunter Nissan of Martinsville


Haley Toyota of Roanoke

Duncan Acura

Rocky Mount

Duncan Ford, Chrysler, Jeep, Dodge, Ram

South Boston

Crossroads Ford of South Boston

Virginia Auto Mart

South Hill

Boyd Chrysler Dodge Jeep Ram of South Hill

Boyd Honda of South Hill

Hardee Ford


Priority Toyota Springfield

Rocking Nissan of Springfield

Safford Chrysler Jeep Dodge of Springfield

Safford Hyundai Of Springfield

Sheehy Ford Springfield

Sheehy Nissan Springfield

Sheehy Subaru

Sheehy Volkswagen Springfield


Sheehy Toyota of Stafford

Leckner Nissan of Stafford


GR Chevrolet

Nelson Toyota


Nelson Toyota

Wright Way Hyundai


AutoNation Honda Dulles

BMW of Sterling

Brown's Dulles Nissan

Lindsay Volkswagen of Dulles

Ted Britt Sterling Chevrolet


Bareford Buick, GMC Truck


Bentley Tysons

Honda of Tysons Corner

Koons Tysons Toyota

Ourisman Honda of Tysons Corner

Priority Nissan Mazda

Rosenthal Jaguar Land Rover of Tysons Corner

Sheehy Infiniti of Tysons

Virginia Beach

Boyd Cars of Virginia Beach

Hall Jeep-Chrysler, Dodge, Ram

LA Auto Star


Waldorf Dodge

Waldorf Honda

Waldorf Toyota


Charlie Obaugh Chevrolet


Country Chevrolet

Lindsay Buick GMC

Safford Chrysler, Jeep, Dodge Ram of Warrenton

Sheehy Ford of Warrenton

Warrenton Toyota

West Point

West Point Ford


Williamsburg Honda

Patriot Buick GMC of Williamsburg


Freedom Ford Lincoln Inc of Wise County


Apple Valley Hyundai

Kern Motor Company Inc.

Malloy Ford Winchester

Malloy Toyota

Miller Honda, Volkswagen, Suzuki

Safford Chrysler Jeep Dodge Ram Fiat of Winchester


Buick GMC of Woodbridge Inc

Cowles Ford

Cowles Nissan

Hendrick Honda Woodbridge

Karen Radley Acura, Volkswagen

Koons Automotive Inc.

Koons of Woodbridge DBA Koons Hyundai Genesis of Woodbridge

Koons Kia

Malloy Hyundai


Jeff Johnson Chevrolet


Leckner Ford of Woodstock


Blue Ridge Nissan

Bob Huff Chevrolet, Buick, GMC

Bob Huff Buick

Bob Huff Ford, Subaru

Bob Huff GMC

Direct Chrysler Dodge Jeep Ram

AutoSMART Vehicle Research

Using CUDL AutoSMART, a network of dealers available to VACU members, you can research a vehicle and apply for credit union financing online. 

Learn more about AutoSMART

Car Buying Resources

Get in the driver's seat with the information you need to buy your next car.

See our resources


It is important that you negotiate all aspects of the purchase (as you would with any dealer). Neither VACU nor CUDL has agreements with dealers that affect vehicle prices. VACU does not endorse individual dealers.