Auto Loan
Find the perfect car loan for your budget!
Latest Rates
All rates24 Month
as low as36 Month
as low as48 Month
as low asVisit our financial education partner, Zogo,
and learn how to buy a car.

Auto Loans
Enjoy the same low rate for new, used, or refinanced vehicles!
Save even more with a discounted rate on Hybrid or EV vehicles.

First Time Auto Loans
Save up to 1% on your rate as a new buyer. No credit history needed. Finance up to 120% of your vehicle's value!
Rates as low as APR*
View rates
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.
Loan officer was nice and friendly. She understood my needs and negotiation. My auto loan process had approved immediately.
We've got you covered
Whether you're shopping for a new car, looking for insurance, or protecting you and your vehicle, we have everything you need to keep you worry-free.

Auto Advisor
Our complimentary Auto Advisor will help find you the perfect car within your budget.

Oak Tree Insurance Agency
Protection for your Auto, Home, and Business. Let us compare your coverages today.

Guaranteed Asset Protection (GAP)
Drive with peace of mind knowing you're protected if your vehicle is totaled.

Motor Vehicle Acquisition Plan (MAP)
Save money with the features of a lease and the advantages of ownership.

Mechanical Repair Coverage (MRC)
Protect yourself from costly repairs after your warranty expires. Benefits included rental reimbursement, roadside assistance, and no out-of-pocket expenses.

Member Protect
Get peace of mind with relief from financial burdens with protection against loss of life, disability, and unemployment.
It's easy to buy the car you need
Get an auto loan with low rates and flexible terms to fit your unique budget.
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**Motor Vehicle Acquisition Plan is only available for non-commercial passenger vehicles.
***If you opt to turn in your vehicle at the end of the term, a disposition fee of $395.00 will apply.****Up to 90 days to pay promotion: Loans subject to credit approval. Interest will accrue from date of loan disbursal. Current Central One Federal Credit Union loans are excluded from promotion. Additional terms and conditions apply.
¹Subject to creditworthiness. Other significant terms apply. Program subject to change at any time without notice. For more information, ask a Representative for details. Cannot go below our lowest published rate. Minimum rate is the current lowest advertised rate, APR. Down Payment and/or cosigner may be needed
² Stated rate assumes term of 24 months and LTV under 75%, includes a 0.25% discount for Direct Deposit and Electronic Loan Payment and an additional 0.25% discount when deducted from a Central One Premium Checking account.
³ First Time Auto Loan – To qualify, you must not have a previous auto loan on your credit history. 1% discount includes Electronic Loan Payment from a Central One checking account. Discounts cannot be combined and cannot go below lowest published rate.
Rates
Auto Loan Rates
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24 month term |
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36 month term |
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48 month term |
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60 month term |
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72 month term |
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84 month term |
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Rates effective as of: April 3, 2025
Rates listed above are for personal use vehicles only. Commercial use vehicle rates may be higher. Down payment may be required.
*Annual Percentage Rate
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Rates effective as of: April 3, 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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