Auto Loan Rates
Lock in your auto loan rate.
From brand new vehicles to a car that’s new to you, CommonWealth Central Credit Union offers a wide range of solutions for every auto financing need.
- No payments for 90 days*
- Low, competitive APR and interest rates
- A variety of purchase types
- Quick and efficient pre-approvals
Auto Loan Rates
Effective: November 1, 2026
Auto Loans | Loan Term | Annual Percentage Rate (APR)1 | Monthly Payment Per $1,000 Borrowed Maximum Term |
|---|---|---|---|
New Auto Model years 2025-2026 | 24 - 36 months | 5.19% - 11.94% | $30.06 - $33.19 |
37 - 48 months | 5.29% - 12.04% | $23.16 - $26.35 | |
49 - 60 months | 5.39% - 12.14% | $19.05 - $22.32 | |
61 - 72 months | 5.59% - 12.34% | $16.38 - $19.73 | |
73 - 84 months | 5.99% - 12.74% | $14.60 - $18.05 | |
Used Auto Model years 2020-2026 w/more than 5,000 miles | 24 - 36 months | 5.39% - 12.14% | $30.15 - $33.28 |
37 - 48 months | 5.49% - 12.24% | $23.25 - $26.45 | |
49 - 60 months | 5.59% - 12.34% | $19.14 - $22.42 | |
61 - 72 months | 5.79% - 12.54% | $16.47 - $19.83 | |
73 - 84 months | 6.19% - 12.94% | $14.70 - $18.16 | |
Model Years 2011-2019 | 24 - 36 months | 7.39% - 14.14% | $31.06 - $34.25 |
37 - 60 months | 7.49% - 14.24% | $20.03 - $23.39 |
Auto Loan Rate FAQS
-
Are there any deals offered if I decide to refinance my vehicle?
Yes! CommonWealth Central Credit Union provides a cash back program that rewards you for switching loan providers. Earn up to 1% cash back2 on your total loan balance.
-
How much car can I afford with your rates?
It is important to evaluate both the vehicle price and interest rates before settling on a final auto budget. Use CommonWealth Central Credit Union’s auto loan calculator to get an estimate of what you can afford.
-
Will your rates apply to me even if I don’t buy from a dealer?
CommonWealth Central Credit Union provides financing for members buying from both dealerships and private parties. We can also handle lease buyouts.
Auto Buying Tools
Purchasing your next vehicle can be an overwhelming task--unless you have expert help. Don’t worry, we’ve got you covered! To make the process as easy as possible for you, we have a variety of tools to help guide you through one of your most important decisions.
*If you take advantage of the “no payments for 90 days” option finance charges will still accrue, the total finance charges paid on your loan will increase, and the maturity date of the loan will be extended. Minimum FICO score 680.
1APR=Annual Percentage Rate. The rate you receive will be based on certain creditworthiness factors and approximate repayment and may be higher than the rate shown above. Please ask us for the rate for which you qualify. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. Rates are for new loans only, refinance terms will differ. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts and loan-to-value requirements.
21% cash back offer valid only for vehicles refinanced from another financial institution. 1% cash back will be paid at loan closing. Refinance of existing CommonWealth auto loans do not qualify. You must keep your auto loan open for 12 months in order to keep the 1% cash back incentive. Cash back incentives over $599.99 are subject to IRS reporting on form 1099-NEC.
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