FINANCING Shop, apply and pay over time With our easy to use buy now, pay later paymentoption, you know your terms up front and can shop for whatyou want, when you want and then pay over time. MULTIPLE WAYS TO FINANCE Apply with Magnifi Apply with Lotus Apply Your first step is to fill out a loan application - online, over the phone in video chat or in a branch. Get Pre-qualified After you apply, we'll contact you to get you pre-qualified for a specific loan amount. Go Shopping Now for the fun part... go find your perfect vehicle that fits your pre-qualified loan amount! Drive Home Happy Drive away knowing you got the best loan available from your local credit union. BENEFITS Pay over time: Magnifi and Lotus puts the purchasing power in your hands with an easy monthly payment plan instead of paying for the entire purchase upfront.Get Approved with No Credit Impact: Shop with confidence. You can receive pre-qualifications from multiple providers quickly without affecting your credit score.No Hidden Fees! There is no application fee & no pre-payment penalties! Any fees or charges are fully disclosed in your contract!Early Buyout Options: You can tailor your financing experience with the ability to buyout of your contract at anytime with no pre-payment penalties!