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Auto Loans

Get out on the open road

Low-rate auto loans to take you anywhere

A loan for a new or used vehicle

Ready to buy a car? You won’t find an auto loan around that’s as affordably priced and still gives you the local touch. And if you’re interested in refinancing, our “Lower Your Rate” program can help you lower your APR by 1.00% or more.*

Stress-free auto loans

A loan from us will get you behind the wheel in no time, without any extra stress. You can choose which payment schedule works for you. We can also pre-approve you up to a certain amount, so you can go straight to the dealership to buy your car.

  1. Optional pre-approval for easier negotiation at the dealership
  2. Convenient add-ons like GAP Insurance, Debt Protection, and Mechanical Breakdown Coverage
  3. Save money upfront: low or no down payments

Rates

Credit Tier* Up to 48 Mo. Up to 60 Mo. Up to 72 Mo. Down Payment Max Loan to Value (LTV)
Platinum 3.99% 4.24% 4.49% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
Gold 4.24% 4.49% 4.74% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
A Paper 4.99% 5.24% 5.49% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
B Paper 6.99% 7.24% 7.49% 0% Down 125% NADA RETAIL or Purchase Price whichever is lower
C Paper 10.99% 11.24% 11.49% 10% Down 125% NADA RETAIL or Purchase Price whichever is lower
D Paper 14.99% 15.24% 15.49% 10% Down 125% NADA RETAIL or Purchase Price whichever is lower

*Credit Tier determined by Equifax Credit Score
**Rates include .25% Premier Member Discount.

Values Terms
$30,000 OR MORE UP TO 84 MONTHS**
$20,000 OR MORE UP TO 72 MONTHS
$10,000 OR MORE UP TO 60 MONTHS
$5000 to $9999 UP TO 48 MONTHS
LESS THAN $5000 UP TO 36 MONTHS

**84 Months Same as 72 Month Rate

Calculators

FAQs


  • Yes! Our “Lower Your Rate” program lets you refinance your current loan for a minimum reduction of 1.00%, if you qualify. There are no fees and no down payment, and we can match your existing term all the way up to 84 months. Note: Existing CDFCU loans do not qualify for this program.

  • Yes. If you have an existing auto loan, we can often help you get a better rate and payment schedule through us.

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* APR (Annual Percentage Rate). Offer applies to refinancing an automobile from another financial institution. Subject to credit approval and conditions. Proof of current rate from your financial institution is required. You will receive a rate that is the lower of our rate or one percent lower than your current loan rate subject to a minimum rate of 1.99% Annual Percentage Rate (APR). The rate you receive will be based on credit worthiness, vehicle age and term of loan. In order to receive this promotional rate, the term of your new loan must be equal to or less than the remaining term on your current loan. May not be combined with any other offer and does not apply to refinancing CDFCU loans. Membership required. Minimum refinanced auto loan amount is $2,500. 60-day delay of first payment with credit approval. Interest will accrue during the payment deferral period. CDFCU will not charge application or refinance fees. Additional terms and conditions apply. Offer and rates subject to change without notice.