Featured Image Credit Union Direct Lending® (CUDL) manages a dealer network available to Virginia Credit Union members called AutoSMART. Using CUDL AutoSMART, you can research a vehicle and apply for credit union financing online. AutoSMART features A complete list of participating dealers Vehicle inventory search for selected dealers Vehicle comparisons and vehicle history checks Check your vehicle trade-in value 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. Visit AutoSMART