Skip to main content.
Link to CEFCU Home Page

If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1.800.633.7077.

Visit our accessibility help page.

Vehicle Loans

You’ve been thinking about the right car, but have you thought about the right loan?

There is a difference, so ask for the CEFCU loan while you’re at the dealer.

*APR=Annual Percentage Rate. 100% loan-to-value or less is required for lowest advertised rate to well-qualified borrowers. Minimum loan amount of $10,000 required for 66-month term on 2018 and newer vehicles. Other rates, terms, and up to 100% financing available. In-house refinances are excluded. Fixed loan rate of 3.14% equals payments of $18.40 for 66 months per $1,000 borrowed for model years 2018 and newer with single loan and payment protection, or $16.52 for 66 months per $1,000 borrowed without the protection.

**Up to 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. Fixed loan rate of up to 5.24% APR equals payments of $8.04 for each $1,000 borrowed over an 180-month term.

***Up to 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. Fixed loan rate of 6.99% equals payments of $21.69 for 60 months for each $1,000 borrowed with single loan and payment protection, or $19.80 for 60 months per $1,000 borrowed without the protection.

Apply online and check out our planning tools.

Vehicle Loan Rates

Standard Vehicle Rates

Model Year
LTV* < = 100%
Standard Term (Months)
Monthly payment per $1,000
2018 & Newer 3.14% 66 $16.52
2017 3.19% 66 $16.54
2014–2016 3.29% 60 $18.10
2013 3.59% 60 $18.23
2012 3.79% 60 $18.32
2011 4.69% 48 $22.89
2010 & Older 7.19% 36 $30.96
*LTV = Loan-to-Value
The rates, terms, and up to 100% financing on vehicle loans are available to well-qualified borrowers. Terms are also subject to limitation based on vehicle model year.