New & Used Vehicle Loans | Credit Union 1

Auto Loans

Get the car you want with terms that fit your finances.

Finance your next car with ease with Credit Union 1 Auto Loans. Credit Union 1 makes the car buying process easy, with highly competitive financing options on a variety of flexible terms. Plus, with a CU1 Auto Loan, you can expect:

Rates as low as 5.49% APR¹
A streamlined preapproval process
Dedicated support for all loan questions during your car buying journey
Easy loan management through Digital and Mobile Banking

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Apply

Start by applying for pre-approval. With your financing in line, you will know how much car you can afford and dealerships will know you are a serious buyer.

Choose

Shop for the right car for you. As a CU1 member, you can enjoy exclusive savings on your next vehicle by beginning your new or used vehicle search using one of our partners.

Drive

When you are ready to purchase the vehicle, simply reach out to us to finalize the loan documents.

Drive Away with Extra Cash

Cash-out refinancing² can turn the equity in your auto loan into funds for your future! With cash-out refinancing, you can put extra cash in your pocket to consolidate debt, pay for a major life event, or handle emergency expenses, while sticking to a monthly payment and interest rate that works for your budget long-term.

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Open an Account in Minutes

Online

A simple, self-service option to open your Free Checking account quickly, at your convenience.

Open an Account

In Person

Our CU1 team members would be happy to assist you with account opening and more at the branch closest to you.

Schedule an Appointment

or Find a Location

Over the Phone

Our Member Solutions Specialists are available by phone Monday through Friday, 9:00 am – 6:00 pm CST.

Call 800.580.2479

Already a Member? Call Now

Additional Coverage and Partners

¹Rate discounts are available to qualified borrowers. Ask an employee for details. APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Auto Loans have a $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 5.49% APR. There is a $49 Processing Fee on all new auto loans (2023 and newer). There is a $124 Processing Fee on all used auto loans (2022 and older).
Best Credit Financing Examples: An Auto Loan of $20,000 at 5.49% APR for a 36-month term would result in a monthly payment of approximately $603.83. An Auto Loan of $20,000 at 5.99% APR for a 84-month term would result in a monthly payment of approximately $292.08. An Auto Loan of $20,000 at 9.49% APR for a 72-month term would result in a monthly payment of approximately $365.39. An Auto Loan of $20,000 at 10.49% APR for a 60-month term would result in a monthly payment of approximately $429.78. There is a $15,000 minimum loan amount to receive 5.99% APR for qualified borrowers.

²Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval.
This offer does not apply to the refinancing of existing Credit Union 1 loans, or for the purchase of a vehicle. To be eligible for an Auto Cash Out Refinance Loan, the vehicle must be 10 years old or newer with a maximum of 125,000 miles at the time of loan origination, the vehicle must be in your name, and you must be able to provide the original title. There is a minimum loan amount of $5,000. There is a maximum Loan -to-Value (LTV) of 80%. Rate discounts are available to qualified borrowers. Ask an employee for details. There is a minimum 36-month term with a maximum 60-month term. There is a floor rate of 6.49% APR, rates may range up to 16.49% APR depending on model year and credit score. There is a $49 Processing Fee on all new auto loans (2023 and newer). There is a $124 Processing Fee on all used auto loans (2022 and older). APR = Annual Percentage Rate. Best Credit Financing Example: An Auto Loan of $20,000 at 6.49% APR for a 36-month term would result in a monthly payment of approximately $612.89. An Auto Loan of $20,000 at 6.49% APR for a 60-month term would result in a monthly payment of approximately $391.23.
Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10.