You can borrow at your Credit Union to purchase a new, or previously owned, vehicle (car, truck).
New vehicles are defined as any model year 2018 – 2020, and terms can be for as long as seven years (careful with that seven year; you never want your loan to outlive your car). If approved, you can borrow up to the full MSRP of the vehicle, plus sales tax.
Used vehicles are defined as any model year 2011 – 2017, and terms can be for as long as five and a half years (generally the shorter the term, the better your interest rate will be). If approved, you can borrow up to the current market value of the vehicle, as published by NADA (yellow-book), plus sales tax.