Get your car buying journey on the road with fast and easy financing and refinancing options for any budget.
Get Pre-qualified in Minutes
Check your loan eligibility without ever having to set foot in the dealership. Get pre-approved online with no impact to your credit score.
Easy Monthly Payments
Competitive Interest Rates
New and Used Vehicle Financing
Step into the driver's seat with personalized rates and car buying services.
Thinking about buying a new or used car? See if you pre-qualify for financing in minutes! Review your financing terms online before visiting a participating dealership for a quick and easy car-buying experience.
At CCU, we have some of the best auto loan rates, and we'll work with you step-by-step toward pre-approval and then ownership. Whether you're looking for a brand-new car, classic auto, used car, powersports, or RV, our low rates and top-notch service can make buying your desired ride a reality. And if you're looking to refinance, you can expect the same level of care and attention that new buyers receive. As a member of CCU, you deserve nothing less.
Get Pre-Approval
Save time and money with loan pre-approval. Apply online and get your rate within minutes.
Calculate Your Monthly Payment
Compare loan amounts, payment plans, and interest rates.
Start Shopping
Head to the dealership with confidence. Get a 0.50% rate discount* purchasing your new vehicle through CCU's Consumers Car Buying Service.
Sign the Papers
You can sign documents from your phone, online, or by visiting a local branch.
Get the Keys
CCU will send a check directly to the dealership (seller), or we'll have it ready for you to pick up.
Auto Loan Rates
| Term | Loan Type | April 2023 and Newer* | April 2019 to 2022* |
|---|---|---|---|
| 0-60 Months | With Auto Buying Service | 3.99% | 4.68% |
| 0-60 Months | Without Auto Buying Service** | 4.49% | 5.18% |
| 61-72 Months | With Auto Buying Service | 4.84% | 5.34% |
| 61-72 Months | Without Auto Buying Service** | 5.34% | 5.84% |
| 73-84 Months | With Auto Buying Service | 5.94% | 6.39% |
| 73-84 Months | Without Auto Buying Service** | 6.44% | 6.89% |
*APR is Annual Percentage Rate. Rates are subject to change, and can vary based on credit worthiness, CCU Member discounts, age of vehicle, and terms of the loan. Offer subject to credit approval. Rate applies to 2023 and newer vehicles with a loan term of up to 60 months (based on credit worthiness). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Car Buying Service. To receive this discount, an auto loan must be booked through CCU, and auto purchase must be made at a certified dealer through CCU’s Car Buying Service purchasing process. The rate listed also assumes an automatic payment method. Individual rates may vary based on credit score and other factors. An example of payment terms is as follows: an amount financed of $20,000 with an APR of 3.99% and a term of 60 months would have a monthly payment of $368.00. View rates on model years 2018 and older.
**Rates listed include applicable discounts of 0.25% APR.
Car Buying ServicesSearch, Shop, and Save on your Next Vehicle
Price a New Car
Price a Used Car
Shop, finance, and drive. It's that simple.
Find the right vehicle, secure financing, and handle the paperwork when you use our Car Buying Service. Enjoy exclusive perks from partners like TrueCar and receive a 0.50% rate discount* when you use the end-to-end service. With expert guidance every step of the way, all you have to do is enjoy the ride.
Frequently Asked QuestionsAuto Loan FAQs
How do I set up, change, or cancel automatic payments?
Can I skip a payment on my loan without penalty?
Do I need insurance on my vehicle?
Is there a grace period before I’m charged a late fee?
How do I find my auto loan payment due date?
Related ProductsPowersports Loans
Cruise through the jet ski, ATV, or motorcycle-buying process with competitive rates, easy payment options, and fast approvals.
Recreational Vehicle Loans
Find the loan that fits your active lifestyle. Browse affordable options for campers, motorhomes, and RVs.
Perks from our PartnersBuy an Enterprise Rental Car
Vehicles at Enterprise Rent-A-Car spend an average of 12 months in the fleet receiving regular maintenance.
Mechanical Repair Coverage
With 24-hour emergency service, consider how this may help limit unexpected covered repair costs as your vehicle ages, potentially saving you thousands of dollars in repairs.
Get GAP Coverage
Protect your investment with Guaranteed Asset Protection Coverage (GAP). The GAP program can help fill the gap between what your vehicle insurance will pay and what you own on your loan.
Blogs & Related Information
How Much Car Can You Comfortably Afford?
Recent reports say even used cars, once thought of as more economical options, are seeing higher prices. What's best for you and your budget?
Depending on the make and model, vehicles have different rates of depreciation with a typical loss of 30% of value within the first year.
It’s easy to overlook your car's aches and pains until it’s too late. That’s why we’re listing the five most common things that can go wrong.
Bank anytime, anywhere.
Download the CCU mobile app for fast, secure access to your accounts, easy transfers, mobile check deposits and more.
