Get a car loan that works for your budget.
We make it fast and affordable to buy the vehicle you need.
Highlights
See how much money Central One can help you save on your next vehicle. We make car buying quick and efficient.
Benefit 1
Up to 1% reduction on your auto loan rate
Benefit 2
No credit history required
Benefit 3
Finance up to 100% of the vehicle value
Benefit 4
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Latest Rates
All Rates24 Month
as low as 5.12 % APR36 Month
as low as 5.62 % APR48 Month
as low as 5.74 % APRRates as low as 5.12% APR**
Monthly Payment
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1
Submit application
Submit an application online 24/7, call us, or visit your local branch.
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2
Get pre-approved
We'll notify you when your pre-approval is completed, usually the same day.
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3
Need insurance?
Get your insurance with special member discounts.
Guaranteed Asset Protection (GAP)
In the event of an accident in which you've totaled your car, GAP insurance covers the difference between what a vehicle is currently worth (which your standard insurance will pay) and the amount you actually owe on it. The difference between this value and the balance is the GAP.
Motor Vehicle Acquisition Plan (MAP Loan)
This program combines the best features of a lease with the advantages of vehicle ownership. Whether you are buying a new or used vehicle or refinancing your existing auto loan, this program can save you money.
Loan officer was nice and friendly. She understood my needs and negotiation. My auto loan process had approved immediately.
It's easy to buy the car you need
Get an auto loan with low rates and flexible terms to fit your unique budget.
Rates
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Example rates
| Term | APR* |
|---|---|
|
36 months |
3.50% |
|
48 months |
3.75% |
|
60 months |
4.00% |
|
72 months |
4.25% |
Rates effective as of: April 4, 2025
APR = Annual Percentage Rate
All features
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Rates effective as of: April 4, 2025
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Open Account
Ice Cream Day Dates
All Ice Cream Day events are from 4:00 – 6:00 pm.
June 12th- Auburn Branch, 63 Southbridge Street
July 24th- Westborough Branch, 40 South Street
July 31st- Milford Branch, 82 Prospect Street
August 7th- Northborough Branch, 148 Main Street
August 28th- Shrewsbury Branch, 714 Main Street
August 15th- Worcester (Saint Vincent Hospital) Branch – We’ll be serving Goody’s Kettle Corn at the branch all day!
Food Truck Dates
All Food Truck Events are from 11:00 am – 1:00 pm.
July 12th- Westborough Branch, 40 South Street: Tacoborough Food Truck
August 9th- Shrewsbury Branch, 714 Main Street: Savage Wraps Food Truck
August 14th- Worcester (Saint Vincent Hospital) Branch – Garden Fresh sandwiches in-branch
August 23rd- Auburn Branch, 63 Southbridge Street: Bird’s Nest Panini Food Truck
September 6th- Northborough Branch, 148 Main Street: Tacoborough Food Truck
Milford – Off the Hook
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