Auto Loans

Trade-in your dealer loan for money-saving loans and Vehicle protection services

Introducing Smart Rate Auto Loans!

Secure an auto loan rate with CFCCU, and if rates decrease or your credit score increases, you will have the opportunity to refinance the loan for a lower interest rate. The best part is, you do not have to go anywhere else to refinance your loan! We will take care of you right here at CFCCU. Terms and conditions apply.

 refinance or Apply for an auto loan today.

Is it time for an upgrade?

Need a new vehicle for your growing family? Want a vehicle with better gas mileage? Is there a sports car catching your eye? No matter what you’re buying, financing your new or used vehicle with CFCCU is the easiest part of the process.

“Between the Gap Production, Extended Warranty & the lower interest rate, we were able to save $7,244.71 with CFCCU

-Crystal & Craig

“CFCCU saved us $754.24 on our extended warranty over what the dealership offered.”

-Deb and Jim

Calculate your loan payment!

Use the calculator below to estimate what you can afford.

CFCCU Auto Loan Calculator
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Auto Loan Rates

New Vehicle Loans
2022 & newer with 20,000 miles or less

Loan Term
48 months
60 months
66 months
72 months
84 months
APR¹ as low as
6.44%
6.44%
6.44%
6.44%
6.64%

EXAMPLE: A $50,000 loan for a term of 84 months with a 6.64% APR¹, the monthly payment will be $747.

Used Vehicles
2021 & newer with over 20,000 miles

Loan Term
48 months
60 months
66 months
72 months
APR¹ as low as
6.74%
6.74%
6.74%
6.79%

Used Vehicles
2020 Model Year

Loan Term
48 months
60 months
66 months
72 months
APR¹ as low as
6.84%
6.84%
6.89%
6.99%

Used Vehicles
2019 Model Year

Loan Term
48 months
60 months
APR¹ as low as
7.19%
7.19%

Used Vehicles
2018 Model Year

Loan Term
48 months
60 months
APR¹ as low as
7.34%
7.44%

Used Vehicles
2017 Model Year

Loan Term
48 months
60 months
APR¹ as low as
7.59%
7.59%

Used Vehicles
2016 Model Year

Loan Term
36 months
48 months
APR¹ as low as
7.59%
7.64%

Used Vehicles
2015 Model Year

LoanTerm
36 months
48 months
APR¹ as low as
7.69%
7.74%

Used Vehicles
2014 and Older Model Year

Loan Term
36 months
48 months
APR¹ as low as
10.44%
10.44%

¹APR – The Annual Percentage Rate is a variable rate and is subject to change without notice.
All loans are subject to approval. Rates, terms, and conditions are subject to change. Up to NADA retail.

 refinance or Apply for an auto loan today.