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Auto Loan

Find the perfect car loan for your budget!

Latest Rates

All rates

24 Month

as low as APR

36 Month

as low as APR

48 Month

as low as APR

Visit our financial education partner, Zogo,
and learn how to buy a car.

Auto Loan - Feature - 1

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.

Auto Loan - Feature - 2

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

Loan Amount
$
Rate
%
Term Months

Start your Auto Loan Application today!

  • 1

    Submit application

    Submit an application online 24/7, call us, or visit your local branch.

  • 2

    Get pre-approved

    We'll notify you when your pre-approval is completed, usually the same day.

  • 3

    Need insurance?

    Get your insurance with special member discounts.

Apply Now

Loan officer was nice and friendly. She understood my needs and negotiation. My auto loan process had approved immediately.

— Henry F. Liu

Pepperell, MA

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.

Special Rates

Auto Advisor

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

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Oak Tree Insurance Agency

Protection for your Auto, Home, and Business. Let us compare your coverages today.

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Guaranteed Asset Protection (GAP)

Drive with peace of mind knowing you're protected if your vehicle is totaled.

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Motor Vehicle Acquisition Plan (MAP)

Save money with the features of a lease and the advantages of ownership.

Apply Now

Special Rates

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.

Contact Us

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Member Protect

Get peace of mind with relief from financial burdens with protection against loss of life, disability, and unemployment.

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It's easy to buy the car you need

Get an auto loan with low rates and flexible terms to fit your unique budget.

  • **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.

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