Why choose Central for your auto loan needs? Our rates are the same for new and used vehicles, and we don’t raise the rate for longer loan terms. Plus, our rates are well below the national average!

Have an auto loan by another lender? Keep more of your money in your pocket by refinancing with us. You may be able to reduce your interest rate by 2% our rates are as low as 2.49% APR*

Looking for a new car? Make sure you get pre-approved before you go to the dealer. Walk-in knowing what you can afford.

No money to put down on a new or used car that you want to purchase? No problem! We have 100% financing options on many of our loans. Ask about 100% financing and GAP Insurance.

Do have your car paid off and need some extra cash? We have a loan for that too!

We have loans for cars, trucks, motorcycles, RVs, boats and personal watercraft.

Apply Now


Vehicle Loan Rates

Effective as of April 25, 2019
Loan TypeTermAPR* as low asMo. Payment
(per $1000 borrowed)
*APR = Annual Percentage Rate. The loans rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Monthly payment estimates are based on a the longest loan term shown. 1Auto and Truck loans can be financed up to 100% of the NADA Value. Recreation, Motorcycle, Boats, and Personal Watercrafts can be financed up to 85% of the NADA Value. Maximum allowable repayment term will be based on amount borrowed. 2Auto loan refinancing is only offered on loans currently held with another lender. Some restrictions may apply. Ask for details. Cars and trucks that have a clear title may also be considered for refinance. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.
New or Used Car / Truck12-84 Months2.49%$12.99
Refinanced Auto Loan12-84 Months2.49%$12.99
New Recreation Vehicles, Boats, Motorcycles, and Personal Watercrafts11-15 Years7.99%$9.56
Used Recreation Vehicles, Boats, Motorcycles, and Personal Watercrafts11-15 Years8.99%$10.15

Get Pre-Approved Before You Shop!

Getting pre-approved for your auto loan before you shop is super easy and can save you money and time.  You could also save hundreds on GAP and auto insurance.  Pre-approval is fast and easy!

Get Pre-Approved

Lower Your Current Auto Loan Rate By 2%*

Do you have an auto loan with another lender? Refinance at Central and lower your current interest rate by 2%*.  You could save on your monthly payment and over the life of your loan. Refinancing is easy. Don’t wait to save money on the car you already love.

Refinance Now

Insurance for Life’s Uncertainties

There’s one thing that’s certain; life can be uncertain. Your family’s financial wellness can be forever changed by a sudden job loss, illness, or accident.

We’re proud to work with several partners who offer our members discounts on a variety of insurance products related to your auto loans and other situations. It’s worth looking to see how much you can save.

Save hundreds of dollars on insurance**

  • GAP Insurance: If your vehicle is ever stolen or is declared a total loss from an accident, you could find yourself owing more on your loan than your vehicle is worth. GAP Insurance closes the gap. Having Gap Insurance is especially important if you financed most of the purchase price of your car when you bought it.
  • Auto and Home Insurance: -Save up to $509 on your car insurance
  • Credit Life and Credit Disability Insurance: Can pay your payments in the event of a job loss, disability, etc.
  • Private Passenger Accident Insurance: Can pay you $240 per day. No Cost to you.
  • Other Insurance: Life, AD&D, Critical Illness, and Disability Income Protection

Insurance Discounts

Been Turned down for a Loan?

We care about your financial health. That’s why we partner with GreenPath Financial Wellness to provide our members with one-on-one budget reviews, debt management plans, credit report reviews, housing counseling, and student loan counseling.

Financial Wellness

**Insurance products are issued by 3rd party partners of Central Credit Union. Insurance products not issued, insured, or guaranteed by NCUA, any agency of the federal government, or Central Credit Union. Exact terms, conditions, and benefits of insurance products are provided by each company issuing the product. Discuss the information with the 3rd party issuer before purchasing.