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Now enrolling pilot credit unions
Member trade-ins for credit unions + lenders

Competitive trade-in offers, without ever leaving the credit union.

Members get verified dealers competing for their vehicle in minutes — instead of a single dealer’s number after hours at the lot. Your credit union keeps the member, the loan and the relationship.

Book a demoSee how it works
Dealers competeOffers in minutesUnder your brand
The problem

Never lose a member over the trade-in again.

Today, a pre-approved member still has to visit a dealership to learn what their vehicle is worth. One dealer sets the number, controls the deal — and often arranges the financing, too.

  1. 01

    Hours at the dealership

    Appraisals, waiting and negotiating — just to learn what a car is worth.

  2. 02

    One dealer’s number

    With no competition, members are left to accept a low offer or start over.

  3. 03

    The loan goes with it

    About 1 in 4 credit union members finance elsewhere — dealer influence, not rate, is the main reason.¹

  4. 04

    So does the relationship

    Along with the backend products — GAP and extended warranties — sold at the dealer’s desk.

The AVA solution

One trade-in experience. Better for the member. Better for the credit union.

For your members

A fair offer from the institution they already trust.

  • No need to leave the credit union. The trade-in is handled where they already bank and borrow.
  • Dealers compete for their vehicle. Verified dealers bid against each other — no single take-it-or-leave-it number.
  • Minutes, not hours. A quick guided inspection replaces the trip to the lot.
  • No surprises. The payoff is handled first, and any change after drop-off comes with a clear reason.
For your credit union

Keep the member, the loan and the revenue.

  • A streamlined loan process. The trade-in is resolved inside the application — no hand-off to a dealership.
  • Members stay with you. You remain the trusted source at the most important moment of the purchase.
  • Stronger member retention. Every trade-in becomes another reason to bank with you for life.
  • Additional income. The loan stays with you — and so do the backend products: GAP insurance, extended warranties and vehicle service contracts.
The member experience

Everything happens in minutes.

Two ways to sell

Dealers compete — or AVA buys it outright.

Let dealers compete

RECOMMENDED

The vehicle goes to AVA Marketplace. Verified dealers bid for about 24 hours; the member gets the highest offer and keeps the full winning bid. The dealer pays AVA’s $400 fee on top.

Usually the highest price24 hours to acceptAVA sets any minimum

Buy It Now

AVA — a licensed dealer — makes a firm offer and buys the vehicle itself, taking on the resale risk. Fast and simple for members who want it done.

Good for 7 days or 250 miles, whichever comes first
Payoff, handled

The old loan is paid first. The equity goes toward the new one — with you.

Members provide the exact payoff up front. AVA verifies it and pays the lienholder — or your credit union, if you hold the loan. When the member finances the next vehicle with you, the remaining proceeds come to you.

Sale amount
$27,400
dealer’s winning bid
1 · Payoff first
$18,642.17
to the lienholder — or straight to you if the loan is yours
2 · The rest
$8,757.83
to your credit union for the new loan — or to the member
White label available

Your logo. Your colors. Your website.

Members see your credit union on every screen. One line of code adds a “What’s my trade-in worth?” button to your auto-loan page.

<script src="https://www.avamarketplace.com/widget.js"
  data-cu="your-credit-union"></script>
In your branch

Loan officers start it in a minute.

“Add a trade-in” captures the vehicle, the member’s contact and the payoff. The member receives a private link by email and text — AVA handles the rest.

  • Dashboard: status, final offer, adjustment reason, outcome
  • The sale is final with AVA — no claims back to you or the member
  • Title handled within 30 days
Pricing

Simple monthly pricing. No fee per trade-in.

Dealers pay AVA’s flat $400 buy fee — your members keep the full winning bid.

$0$2,499setup
Waived when you sign up by December 31, 2026
Standard
$999/ month
Fewer than 50 trade-ins a month
  • White label available
  • Website + in-branch trade-ins
  • Credit union dashboard + monthly report
  • No fee per trade-in
Volume
$1,299/ month
50 or more trade-ins a month
  • White label available
  • Website + in-branch trade-ins
  • Credit union dashboard + monthly report
  • No fee per trade-in
No long-term commitment.Book a 30-minute demo
Questions credit unions ask
Is my credit union buying the vehicle?
No. AVA, LLC — a licensed dealer — runs the sale. Dealers buy on AVA Marketplace, or AVA buys it through Buy It Now. Your credit union never holds the vehicle.
What happens if there’s a problem after the sale?
The amount and the sale are final with AVA. There are no claims against your member or your credit union; any dealer arbitration is handled by AVA under NAAA rules.
How do loan payoffs work?
Members give the exact payoff and lienholder up front. AVA verifies it and pays it first. If the payoff is more than the offer, the difference can be rolled into your new loan.
Does the member have to sell?
No. They can decline any offer at no cost, and nothing is final until they approve the final offer after the drop-off inspection.
What does it cost?
$999 a month for fewer than 50 trade-ins, or $1,299 a month for 50 or more — with no fee per trade-in. The $2,499 setup fee is waived when you sign up by December 31, 2026. Dealers pay AVA a flat $400 buy fee.
Also on AVA

Selling repossessions? AVA Marketplace does that too.

Matched dealers compete for every repo the moment it’s listed — no auction lane, no transport to the sale, flat $350 fee only when it sells.

Repo marketplace →Dealers: sign up ↗
Now enrolling pilot credit unions

Keep the trade-in, the loan and the member — at your credit union.

¹ Filene Research Institute, member auto-lending research.

Book a demovictor@getava.org