Consumer’s Federal Credit Union
Low Rates, Easy Approval, No Hidden Fees
At Consumer’s Federal Credit Union, we offer low-interest auto loans with fast approval and no hidden fees. Experience a straightforward application process and personalized service designed to help you get behind the wheel quickly and affordably.
- Competitive rates on new and used car loans
- Flexible terms to suit your budget
- Refinance options to help save you money
Competitive Auto Loan Rates at CFCU.
Whether you’re purchasing a new or used vehicle, refinancing an existing loan, or buying out your lease, we offer competitive rates designed to save you money.
- 2023 or newer with a credit score of 700 or above can be financed for as long as 84 months
- 2023 or newer with a credit score below 700 can finance for as long as 72 months
- 2022 or older the maximum financing terms are 60 months
| Auto Rates | 2023 & Newer | 2022 – 2018 | 2017 & Older |
|---|---|---|---|
| 750+ | 5.50% | 5.70% | 6.50% |
| 749–700 | 6.00% | 6.25% | 7.00% |
| 699–650 | 8.75% | 9.00% | 9.75% |
| 649–600 | 10.75% | 11.25% | 11.75% |
| 599 & below | 12.00% | 12.50% | 12.75% |
Loan Fees: $50.00/ Manager has right of say over all printed material. May need co-signer. *Annual Percentage Rate
**If you have an existing auto loan with another lender, we will give you up to 1% off your current loan rate. Special restrictions apply debt ratio must be 50% or less, credit score must be 700+, proof of current rate must be provided, and new loan rate cannot go below 4.00%. Loan fees will be waived.
**Auto/ Recreational Vehicle/Camper loans that are a 2023 or newer, member must have a credit score of 750+, will finance for up to 60 months, will receive a rate of 4.49% APR.
Approved by the Board of Directors on 4-23-25.
How to Apply for an Auto Loan.
Ready to finance your next vehicle? Applying for an auto loan at Consumer’s Federal Credit Union is simple and stress-free. Since we prioritize personal service and responsible lending, all applications must be completed in person at our branch.
To get started, visit us during business hours, and our team will guide you through the process. We’ll review your loan options, answer your questions, and ensure you get the financing that fits your needs.
To make your application process smoother, please bring:
