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Pre-Approved Express Check

Get a Pre-Approved Loan with an Express Check.

Pre-Approved Express Check allows you to confidently walk into the dealer with a check in hand for your next vehicle!

Simply apply for an auto loan and check off the Pre-Approved Express Check box or ask for it when you call. You’ll receive a Pre-Approved Express Check in the mail after you’ve been approved with a maximum amount available to purchase your next vehicle.


Skip the trip to the branch, use eSignature.

eSignature speeds up the loan process to quickly and securely get your funds to you. With eSignature, there is no need to come into a branch to sign for your loan – simply sign electronically anywhere you have access to the internet. This service can be used for auto loans and personal loans.

To use eSignature, simply apply online for an eligible loan. When you apply, you can note in the comment section that you would like to sign your documents electronically. When your loan is approved, you will receive a call from MSDFCU with instructions on how to complete your loan using eSignature.

How to use a Pre-Approved Express Check

  1. Be prepared. Take the check with you when you shop and confidently make your deal for up to your approved amount.  
  2. Take your time shopping for the right car. Checks are valid for a full 45 days from the date of your loan application.
  3. Express Checks are good for a new or used vehicle. Purchase vehicles from one to seven years old at any auto dealership.
  4. Spend only as much as you need. If your best deal is less than the pre-approved amount, you simply complete the Express Check for the lesser amount.
  5. No payments until you use the check. Once the check has been used for a transaction, the loan department will contact you.