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.

*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 $14.75 for 72 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 $7.90 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.

Apply online and check out our planning tools.

Vehicle Loan Rates

Standard Vehicle Rates

Automatic Deduction  
Model Year
LTV* < = 100%
Standard Term (Months)
Monthly payment per $1,000
2016 & Newer 2.29% 66 $16.14
2013–2015 2.39% 66 $16.18
2012 2.49% 66 $16.23
2011 2.69% 60 $17.83
2010 3.09% 48 $22.17
2009 3.79% 48 $22.49
2008 & Older 6.29% 36 $30.55
Add .50% for Cash Pay Loans.
*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.