Why Choose CEFCU?

When you’re looking for a car loan, think more than rates. We offer personal service and:

Terms that work for you
No prepayment penalties
Fast approval
Preapproval for easier car shopping
No hidden fees
Refinance options
Affordable payment protection

It kind of makes you think… why wouldn’t you choose CEFCU?

Contact Us Apply Online

Comparison Shopping

Can’t decide whether to buy a new or used car?

New Car Pros

Wear & tear:
You’re the first driver, so the car is untouched.
Warranty:
New cars come with bumper-to-bumper warranties.
Technology:
You can link to your phone and turn on your car with an app.
Gas mileage:
Improvements mean you could pay less to drive.
Choices:
You choose the color, model, and features.
Safety:
Back-up cameras, auto braking, crash alerts, and more make driving safer.

New Car Cons

Costs:
The sticker price is higher than used, which means higher taxes, too.
Depreciation:
Your car is worth less as soon as you drive off the lot.
Untried design or technology:
There may be bugs in the new systems.

Used Car Pros

Bigger & better:
The price is less than new, so you could afford more car.
Insurance:
You’ll pay less insurance than a new car.
Strong Value:
Your car doesn’t depreciate right away like a new car.

Used Car Cons

Maintenance:
More use on the car may mean more problems.
Warranty:
Used cars have limited or no warranties.
History:
It’s hard to get complete history on a used car.
Limitations:
You can’t always get your choice of color, model, and features.

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.

Resources

Credit Score

Know your score and how to improve it.

Insurance

Choose loan and payment protections.

NADA

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.

1.800.542.3328