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Auto Loans to Start the Journey

Looking for a new car, truck, SUV, RV, or pre-owned vehicle?  We can get you where you want to go with our affordable low-rate loans. Get pre-approved in 90 seconds and see how much you can save!

Need to hit the brakes on your current high-rate auto loan instead? Refinance with us and we’ll help you accelerate your savings.

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Competitive Rates and flexible terms 

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Pre-approval in 90 seconds with no impact to your credit score*

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Find out your personal savings & choose how you want to save

Choose the Auto Loan Option that’s Best for You

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New & Used Vehicle Loans

  • Looking to buy a new or used car? Rev up your savings with our low-rate auto loans and flexible terms, as low as 3.24% APR1 
  • Finance up to 135% of the car’s value 2 for up to 84 months 
  • 0.25% discount for new members OR for using automatic payments from a CCCU Checking Account 
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Refinance Your Auto Loans

Put more money in your wallet when your refi your auto loan with our quick and easy online process. Compare rates, terms, and most of all SAVINGS!  

  • Get pre-approved in just 90 seconds 
  • No impact to your credit score 
  • Simple and fast application process
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First-Time & Parent-Assist Auto Loans

Buying your first car can be difficult, especially with little established credit history.  If you’re 18 years or older or the parent of someone who’s looking to buy their first set of wheels, we can help. Our First-Time and Parent-Assist Programs offer: 

  • Affordable financing on new and used vehicles 
  • Terms up to 84 months
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Lease Buyout, Cash Out, & Private Party Auto Loans

We also offer flexible auto loans if you want to buy the car you’ve been leasing, do a cash out, or are using a private party to buy your next vehicle.

  • As low as 3.74% APR3 for Lease Buyout and Cash Out  
  • As low as 5.74% APR4 for Private Party Loans
  • Up to 135%2 financing for 84 months
  • 0.25% discount for new members OR for using automatic payments from a CCCU Checking Account 
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Recreational Vehicle (RV) Loans 

Want to experience the great outdoors but need an RV loan? We can help!  Rates are as low as:

  • 5.25% APR5 for a new RV   
  • 5.75% APR5 for a pre-owned RV
  • Up to 120% financing with approved credit 
  • Terms up to 180 months
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Student Auto Loans 

For students looking for a reliable vehicle to get them to college and home, they’ll need an auto loan that’s jus as reliable.  At CCCU, we can help with our Student Auto Loan programs!

  • Affordable financing on new and used vehicles 
  • Terms up to 72 months
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Car Loan Calculator

Looking to find out what your monthly car loan payment or final car purchase price will be? Use our Car Loan Calculator to help you determine how much car you can afford! 


Terms & Conditions

*APR=Annual percentage rate. Rate and terms effective 09/26/2022 and are subject to change without notice.
1. New & Used Vehicle: This is a fixed rate loan and reflects the 0.25% discount for new members OR for members using automatic payments from a Christian Community Credit Union Checking Account (new members are those that joined Christian Community Credit Union within the last six months). Monthly payment for $10,000 for 60 months: at 3.24% APR would be $180.99. Refinances for existing Christian Community Credit Union loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. 
Rate Increase to Base Rate 
• Add 0.50%  for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV) 
• Add 0.50% if vehicle is over 100K miles 
• Add 0.50% if model year is 10 years or older for credit score below 660 
2) Applicants with a credit score of at least 780. 
3. Lease Buyout and Cash Out: This is a fixed rate loan. 3.74% reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account  (new members are those that joined Christian Community Credit Union within the last six months). Monthly payment for $10,000 for 60 months at 3.74% APR would be $183.27. Refinances for existing Christian Community Credit Union loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. 
4. Private Party Loan: This is a fixed rate loan. 5.74% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account  (new members are those that joined Christian Community Credit Union within the last six months). Monthly payment for $10,000 for 60 months at 5.74% APR would be $192.57. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. 
Rate Increase to Base Rate
• Add 0.50%  for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV)
• Add 0.50% if vehicle is over 100K miles
• Add 0.50% if model year is 10 years or older for credit score below 660
5. RV Loans: APR=Annual percentage rate. Rate and terms effective 09/26/2022 and are subject to change without notice. Rate as low as 5.25% APR for new recreational vehicle (RV) loans and 5.75% APR for pre-owned RV loans. Rates reflect the 0.25% discount for members using automatic payments from a Christian Community Credit Union Checking Account. A processing fee of $399 applies. Up to 120% financing available. Terms up to 180 months for new and pre-owned. Monthly payment for $30,000 for 180 months at 5.25% APR would be $241.70; at 5.75% APR for 180 months would be $249.72. Rates are based on credit history and underwriting factors. Not all borrowers will qualify for the lowest rate. 

A $25 one-time membership fee applies if you do not have a deposit account when you become a member of Christian Community Credit Union by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myCCCU.com/deposit-account.