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Apply Now

Interested in an ESL Auto, Leisure Vehicle, or Personal Loan? We offer five convenient ways to apply. Pick the option that best suits you. 

Be prepared with the documentation you need to apply.

Apply Online

Applying for an ESL loan online is fast, easy, and completely secure. You can apply for Auto and Leisure Vehicle Loans, a Cash Reserve, or Personal Loans. So go ahead—click and get started now!  

Apply Online

Check the Status of Your Loan Application

Easily check the status of a recently submitted online loan application by clicking the button below. You may also call 585.336.1000 or 800.848.2265 or use chat banking.

Log in to check the status

Call Now

Want to talk over the process with one of our specialists? Give us a jingle at 585.336.1000 or 800.848.2265 and apply for your ESL loan by phone. 

Call Us

Visit a Branch

Maybe you prefer face-to-face interaction. Great! Stop in and apply for your ESL loan in person. 

Find a Branch Location

Chat

Want to get answers to your questions in real time? Click Chat Now and let one of our specialists guide you.

Mail us your Application

Complete the Loan Application and mail it to us. We’ll get back to you in two business days after receipt with any questions. 

Mail to: 

ESL Federal Credit Union
Corporate Headquarters
Attn: Consumer Lending
P.O. Box 20523
Rochester, NY 14602-0523

Contact Us
 

Information and Documentation

Personal Loan

  • Borrower and co-borrower must be at least 18 years of age.
  • Copy of most recent paystub(s) for borrower and co-borrower may be required.

Automobile Loan

  • Borrower or co-borrower must be at least 18 years of age.
  • Bill of sale from dealer or private party seller and a copy of title if private party purchase.
  • Copy of most recent paystub(s) for borrower and co-borrower may be required.
  • If refinancing a current auto loan: payoff letter from bank or finance company, copy of registration if vehicle is free and clear, and original NYS title.

Motorcycle Loan

  • Borrower or co-borrower must be at least 18 years of age.
  • Bill of sale from dealer or private party seller and a copy of title if private party purchase.
  • Copy of most recent paystub(s) for borrower and co-borrower may be required.

Snowmobile, ATV, and Personal Watercraft Loan

  • Borrower or co-borrower must be at least 18 years of age.
  • Bill of sale from dealer or private party seller.
  • Copy of most recent paystub(s) for borrower and co-borrower may be required.