Auto Loans | Vehicle and Car Loans | Consumers Credit Union

When it comes to financing your next vehicle, Consumers Credit Union is in your corner.

Find out how easy it is to get behind the wheel of your dream car hassle-free with incredible rates and 100% financing for qualified buyers
At CCU, we have some of the best auto loan rates, and we'll work with you step-by-step toward pre-approval and then ownership. Whether you're looking for a brand-new car, classic auto, used car, motorcycle or RV, our low rates and top-notch service can make buying your desired ride a reality. And if you're looking to refinance, you can expect the same level of care and attention that new buyers receive. As a member of CCU, you deserve nothing less.

Car Buying Service View All Rates Buy vs Lease Auto Refinance

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Financial Calculators from
Dinkytown.net

Term in months can't be less than 12

*indicates required.

Car financing:

Loan amount: $0.00

Calculate for:

Calculate for

Payment

Price

Total purchase price (before tax):*This entry is required.Enter an amount between $0.00 and $5,000,000.00

Monthly payment:

Payments are made:*This entry is required.

Term in months:*This entry is required.Enter an amount between 12 and 480

Interest rate:*This entry is required.Enter an amount between 0% and 25%

Down payment:

$0.00

Taxes and fees:

$0.00

Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Definitions

Calculate for

Choose what you would like to calculate. You can choose to calculate the payment or the purchase price.

Monthly payment

The amount you pay each month for your auto financing.

Total purchase price (before tax)

This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. This amount does not include sales tax. Sales tax will be calculated for you and included in your total after-tax price.

Term in months

Number of months the loan will be in effect.

Interest rate

Annual interest rate for this loan.

Rebates and cash down

Total amount of cash and/or factory rebates applied to the purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.

Trade allowance

The total amount that you are given for any automobile that you trade-in as part of the purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "No sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.

Amount owed on trade

Total loan balance still outstanding on the trade-in.

Non-taxable fees (optional)

Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.

Taxable fees (optional)

Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.

Sales tax rate

Sales tax percentage rate charged on this purchase.

No sales tax deduction for trade-in

If you live in a state where your sales tax is calculated on your full purchase price, check this box in the calculator. If this box is unchecked, sales tax is calculated on the purchase price, less trade-in. Currently the District of Columbia, California, Hawaii, Maryland, Kentucky, Michigan and Virginia allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana and New Hampshire have no sales tax on auto purchases. Oregon currently only collects tax on new vehicles.

Cruise Through the Auto Loan Process

Buying a car can be exciting. With CCU's competitive rates, easy application, and superior financing, you'll experience a smooth experience from beginning to end. Get pre-qualified before you shop to save time. You can apply for membership, and check your membership status.

1. Pre-approval

A pre-approval on an auto loan could save you money and time.

2. Calculate Your Monthly Payment

Easily find out how much money to borrow, monthly payments, taxes, and fees.
Loan Calculator

3. Shop Around

With financing in hand, shop confidently for your next car. Plus get a 0.50% rate discount* when you purchase your vehicle through CCU's Consumers Car Buying Service and finance the loan with CCU!

4. Complete Loan Documents

After you find your new vehicle, send us the purchase agreement via email or fax. You can sign documents right from your phone, online, or by visiting a local branch.

5. Funds Sent Direct to the Dealership

CCU will send a check directly to the dealership (seller), or we'll have it ready for you to pick up!

More Perks with a Car Loan from Consumers Credit Union

An auto loan or refinance from CCU give you even more perks, from protecting your new purchase to saving on repairs.

Consumers car buying service, powered by TrueCar. See what others paid for the new car you want, then get member pricing on in-stock vehicles.
Learn more about TrueCar.

Explore what enterprise car sales has to offer. Vehicles at Enterprise Rent-A-Car spend an average of 12 months in the fleet receiving regular maintenance.
Learn more about Enterprise.

24-hr

Mechanical repair coverage with 24-hour emergency service.
Learn more here.

Protect your investment with Guaranteed Asset Protection Coverage (GAP). The GAP program can help fill the gap between what your vehicle insurance will pay and what you own on your loan.
Learn more about GAP.

Ready to Get Started with an Auto Loan from CCU?

Our loans are available to finance new and used vehicles, RVs, motorcycles, and boats. We can even refinance an existing auto financing loan. Let Consumers Credit Union help you shift into the next gear of vehicle ownership.

Car Loan Rates

Term	Loan Type	APR - 2023 and Newer	APR - 2019 to 2022*
0-60 Months	With Auto Buying Service	3.99%	4.68%
	Without Auto Buying Service**	4.49%	5.18%
61-72 Months	With Auto Buying Service	4.84%	5.34%
	Without Auto Buying Service**	5.34%	5.84%
73-84 Months	With Auto Buying Service	5.94%	6.39%
	Without Auto Buying Service**	6.44%	6.89%

*APR is Annual Percentage Rate. Rates accurate as of: 04/14/2025. Rates are subject to change, and can vary based on credit worthiness, CCU Member discounts, age of vehicle, and terms of the loan. Offer subject to credit approval. Rate applies to 2023 and newer vehicles with a loan term of up to 60 months (based on credit worthiness). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Car Buying Service. To receive this discount, an auto loan must be booked through CCU, and auto purchase must be made at a certified dealer through CCU’s Car Buying Service purchasing process. The rate listed also assumes an automatic payment method. For details please visit https://www.myconsumers.org/borrow/loans/rate-discounts. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $20,000 with an APR of 3.99% and a term of 60 months would have a monthly payment of $368.00. View rates on model years 2018 and older.

**Rates listed include applicable discounts of 0.25% APR.

Consumers Credit Union Auto Loans FAQs

How do I set up, change, or cancel automatic payments?

Can I skip a payment on my loan without penalty?

Do I need insurance on my vehicle?

Is there a grace period before I’m charged a late fee?

How do I find my auto loan payment due date?

Get a Beauty of a Deal with Our Low APR* Car Loans

When it comes to financing your next vehicle, Consumers Credit Union is in your corner.

Car financing:

Down payment:

Taxes and fees:

Definitions

Calculate for

Monthly payment

Total purchase price (before tax)

Term in months

Interest rate

Rebates and cash down

Trade allowance

Amount owed on trade

Non-taxable fees (optional)

Taxable fees (optional)

Sales tax rate

No sales tax deduction for trade-in

Cruise Through the Auto Loan Process

1. Pre-approval

2. Calculate Your Monthly Payment

3. Shop Around

4. Complete Loan Documents

5. Funds Sent Direct to the Dealership

More Perks with a Car Loan from Consumers Credit Union

Ready to Get Started with an Auto Loan from CCU?

Become a Member of CCU!

Car Loan Rates

Consumers Credit Union Auto Loans FAQs

You're leaving www.myconsumers.org