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.

*Up to 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 up to 2.34% APR equals payments of $16.17 for 66 months for each $1,000 borrowed.

**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. APR applies to loans with automatic payments through payroll deduction or recurring direct deposit. Fixed loan rate of up to 4.99% APR equals payments of $7.91 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. APR applies to loans with automatic payments through payroll deduction or recurring direct deposit. Fixed loan rate of up to 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
2017 & Newer 2.34% 66 $16.16
2016 2.39% 66 $16.18
2013–2015 2.49% 60 $17.74
2012 2.59% 60 $17.79
2011 2.79% 60 $17.88
2010 3.89% 48 $22.53
2009 & Older 6.39% 36 $30.60
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.