Competitive rates, no applications fees …

turn to CEFCU Vehicle Loans.

Vehicle Loans

Turn to CEFCU for all your new and used Vehicle Loans and enjoy
great rates and personal service.

When you're ready to buy a new or used vehicle, consider the benefits
of a CEFCU Vehicle Loan.


  • Competitive rates
  • Up to 100 percent financing to qualified borrowers
  • Simple interest with no penalty for early payoff
  • No application or processing fees

Before you buy, calculate whether a "special" dealer financing rate or a cash rebate and a CEFCU loan is the best choice for you.

If you are buying a vehicle from an individual, the Vehicle Loan Checklist has information you will need when applying for a CEFCU Vehicle Loan. Use the Refinancing from Lender checklist if you would like to refinance your loan with CEFCU.

Apply online, call Phone-A-Loan, or visit a Member Center today. And be sure to ask about affordable Credit Life and Credit Disability Insurance.

Should I Take the Rebate?

Use this calculator to see which is best — special manufacturer's financing or a cash rebate with CEFCU financing.

Find out why CEFCU members have it better.
Apply for a CEFCU Vehicle Loan today!

Loan Details Auto (New) RV Boat Motorcycle
APR 1.99%* 4.99%** 4.99%** 6.99%***
Terms Up to 66 mos.* Up to 15 yrs.** Up to 15 yrs.** Up to 60 mos.***
Insurance Options Yes Yes Yes Yes
Application Fee No No No No
Processing Fee No No No No
Early Payoff Penalty No No No No
Payroll Deduction Yes Yes Yes Yes
Online Loan Application Yes Yes Yes Yes
Apply by
Yes Yes Yes Yes

*100% loan-to-value required for lowest advertised rate to well-qualified borrowers. Final rate and term are determined by a credit evaluation, amount borrowed, and value of collateral. Other rates and terms available. Fixed rate of 1.99% APR equals payments of $16.01 for 66 months for each $1,000 borrowed.

**90% loan-to-value on 2014 and newer models and $50,000 minimum loan amount required for lowest advertised rate to qualified borrowers. Other rates, terms, and up to 100% financing available. APR applies to loans with automatic payments through payroll deduction or recurring direct deposit. Fixed loan rate of 4.99% APR equals payments of $18.87 for each $1,000 borrowed over an 180-month term.

***90% loan-to-value on 2014 and newer models and $15,000 minimum loan amount required for lowest advertised rate to qualified borrowers. Other rates, terms, and up to 100% financing available. APR applies to loans with automatic payments through payroll deduction or recurring direct deposit. Fixed loan rate of 6.99% APR equals payments of $19.80 for 60 months for each $1,000 borrowed.

After you have been preapproved for your vehicle loan, consider visiting
one of the participating dealers below.

Participating Dealers

Bloomington, IL

Visit these Bloomington-area dealerships:

  • Barker Chevrolet
  • Barker Motor Company
  • Brad Barker Honda
  • Dennison Auto Center
  • Dennison Corporation
  • Dennison Toyota
  • Elite Motorcars
  • Extreme Hyundai
  • Extreme Kia
  • Extreme Nissan
  • Grossinger Motors Inc
  • Hutch's Motor Company
  • Leman's Chevy City
  • O’Brien Mitsubishi
  • Sam Leman Bloomington

Canton, IL

Visit these Canton-area dealerships:

  • Art Hossler Auto Plaza
  • B&B Motors
  • Davis Buick GMC
  • Davis Ford
  • Davison's Auto Stop
  • Slaight's Kar Korner

Champaign/Rantoul, IL

Visit these Champaign/Rantoul-area dealerships:

  • Capitol Car Credit
  • O'Brien Auto Park
  • Shields Auto Center

Clinton, IL

Visit these Clinton-area dealerships:

  • Anderson Ford
  • Baum Chevrolet
  • Douglas Dodge
  • Wilson Chrysler

Decatur, IL

Visit these Decatur-area dealerships:

  • Bob Brady Automall
  • Bob Brady Dodge
  • Bob Ridings Lincoln
  • Crown Toyota
  • Jackson Chevrolet
  • Jackson Ford
  • Jerry Pressley RV Center
  • Miles Chevrolet
  • Poage Automall

East Peoria/Washington, IL

Visit these East Peoria/Washington-area dealerships:

  • Mid-Illini Auto
  • Uftring Chevrolet
  • Uftring Ford
  • Uftring Outlet

Eureka/Roanoke/El Paso, IL

Visit these Eureka/Roanoke/El Paso-area dealerships:

  • Geiser Ford
  • Heller Ford Sales
  • Mangold Ford
  • Rebbec Motors
  • Roanoke Motors
  • Sam Leman Eureka
  • Scott Leman Auto
  • Ulrich Motors

Galesburg/Kewanee/Macomb, IL

Visit these Galesburg/Kewanee/Macomb-area dealerships:

  • Cavanaugh Motors
  • City Select
  • The Finish Line
  • Galesburg Nissan
  • Galesburg Toyota
  • Gustafson Ford
  • Hughes Auto Sales
  • Ron Elbe Auto Sales
  • Tumbleson Auto Group
  • Wayne Woodrum
  • Wight Chevrolet
  • Woodrum Automotive
  • Yemm Chevrolet
  • Yemm Ford

Jacksonville, IL

Visit these Jacksonville-area dealerships:

  • Hopper RV
  • Green Chevrolet Jacksonville
  • Jacksonville Chrysler
  • Jennings Beardstown

Lincoln, IL

Visit these Lincoln-area dealerships:

  • Graue Inc
  • Jim Xamis Ford
  • Lincoln Chrysler
  • Nikles Chevrolet
  • Nikles of Petersburg

Morton, IL

Visit these Morton-area dealerships:

  • Bob Grimm Chevrolet
  • Lighthouse Automotive
  • Mike Murphy Ford
  • Sam Leman Morton

Pekin, IL

Visit these Pekin-area dealerships:

  • Fort's Toyota of Pekin
  • Marigold Motors
  • Ray Dennison Chevrolet
  • Roland Rich Ford
  • Sam Leman Auto Stop
  • Uftring Chrysler
  • Velde Ford
  • Velde Cadillac Buick GMC

Peoria, IL

Visit these Peoria-area dealerships:

  • Autohaus Of Peoria
  • Auto Link
  • BMW of Peoria
  • Bob Lindsay Acura
  • Bob Lindsay Honda
  • Dunlap Motors
  • Finish Line Ford
  • Green Chevrolet
  • Jaguar Land Rover
  • Lexus of Peoria
  • McCormick Auto Place
  • Mike Miller Auto
  • Peoria Toyota
  • Pioneer Auto Sales
  • Riverside Chevrolet
  • Sam Leman Peoria
  • Scherer Mazda
  • Tri County RV
  • Uftring Nissan
  • Uftring Weston
  • Velde Lincoln

Pontiac, IL

Visit these Pontiac-area dealerships:

  • Delong Ford
  • Driscoll Motors
  • Fraher Ford
  • Heller Lincoln
  • Lynn Chevrolet
  • Pontiac RV

Springfield, IL

Visit these Springfield-area dealerships:

  • Freedom Chevrolet Chrysler
  • Friendly Chevrolet
  • Giuffre Buick
  • Green Dodge Kia
  • Green Lincoln Mazda
  • Green Hyundai
  • Green Nissan
  • Green Toyota/VW/Audi
  • Honda Of Illinois
  • J&R Marble & Trailer
  • Laketown Automotive
  • Landmark Cadillac
  • Landmark Chrysler
  • Landmark Ford
  • Landmark Of Taylorville
  • Parkway Motors
  • Robert’s Automotive
  • S&K GMC
  • Smokey Jennings Chevy
  • Trinity Dodge


Visit these other dealerships:

  • Greenway Automotive, Morris, IL
  • Shabbona Creek RV, Atkinson, IL
  • US Adventure RV, Davenport, IA
  • Steve-Schmitt Brubaker, Litchfield, IL
  • Victory Lane Ford, Litchfield, IL


We partner with a number of new car dealers in the San Francisco Bay area, contact us at 408.955.1300 for details.

Membership does have privileges, and CEFCU members can enjoy special values from a variety of companies. As a CEFCU member, you may be eligible for special vehicle discounts available from Invest in America. For more information, visit the Invest in America site.

To take advantage of the discounts available, join CEFCU today.
For more information, contact CEFCU.