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Vehicle Loans

Thinking about a new car? Then it's time to think about the loan, too.

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Loan Benefits

You get personal service when you choose a CEFCU Vehicle Loan.

In addition, CEFCU offers:

  • Affordable rates
  • Terms for your budget
  • Fast approval
  • Loan and payment protection
  • 100% financing for qualified borrowers

CEFCU Vehicle Loans do not include:

  • Application fees
  • Processing fees
  • Early payoff penalties

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


Did you know having your loan preapproved has great benefits for you?

Getting preapproved:

  • Let's you know how much you can spend on a car.
  • Gives you an idea what your payment will be.
  • Shows the dealer you're serious about buying.

Note: In addition to the information you provide for pre-approval, you will need to complete an application at the dealership.

Loan Types

We offer the same great loan benefits — like affordable rates, fast approval, and no application and processing fees — for all your vehicle needs.

In addition to financing new and used cars and trucks, CEFCU offers financing for:

  • RVs
  • Motorcycles
  • Boats

Auto-Info Hotline

Using the Auto-Info Hotline is a great way for you to:

  • Compare CEFCU to other financial institutions.
  • Get loan preapproval.
  • Find answers about buying a car.


Make Payments Easy

You have a lot on your plate, so choose the most convenient way to make your loan payments.

Payment Options

Always on the go?

Make payments anytime, anywhere with CEFCU On-Line® or CEFCU Mobile Banking.

Rather not think about your payment?

Ask your employer about payroll deduction — your payment can be taken directly from your paycheck. Just be sure to provide your account number in the proper format. Check out the Electronic Transfers page to learn more.

Like to plan ahead?

Use CEFCU On-Line or CEFCU Mobile Banking to set up automatic payment transfers directly from your account each month.

Want to keep it traditional?

Loan coupons are available so you can pay in person or by mail.

Vehicle Loan Rates

Standard Vehicle Rates

Standard Vehicle Rates
Model Year
LTV* < = 100%
Standard Term (Months)
Monthly payment per $1,000
2022 AND NEWER 3.14% 66 $16.52
2020-2021 3.14% 66 $16.52
2018-2019 3.29% 60 $18.10
2017 3.49% 60 $18.19
2016 3.79% 60 $18.32
2015 4.69% 48 $22.89
2014 AND 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.
In-house refinances are excluded.

Tool Box

Forms & Checklists

Get the papers you need.

Monthly Payment Calculators

Figure what your payments will be.

Online Loan Application

Use our secure online application.

Find Dealers

Find a car dealer near you.


Credit Score

Know your score and how to improve it.


Choose loan and payment protections.


See how much a car is worth.

I didn't find the information I needed…

How much is my payoff?
Find out by contacting us at 1.800.858.3400. You can also find your payoff with Online and Mobile Banking.

How do I apply for a car loan?
Find out about the loan process then apply online.

What are your interest rates on a new or used car?
Check out the Rates page for current rates on all vehicles.

Can I refinance my car loan?
Of course! Learn more about refinancing.

How do you decide who gets a loan?
Find out more about how loans are approved.

I'm buying a car from another person. What should I do?
Before you buy, contact us about the value of the car.

Direct Lending

Apply for a loan or get help from a real person.

Contact Direct Lending

Have some general questions?

Find out more and get answers to your questions.