Vehicle Loans

As low as



Max Term



Let our experienced team of loan professionals help you save with low auto loans rates.

Competitive rates. No payments for 90 days.* And, flexible car-buying terms that fit your lifestyle and budget

CommonWealth Central Credit Union auto loans allow you to shop for a new or used car with confidence so you can hit the open road towards your next journey in no time.


Upgrading your set of wheels can be both an overwhelming and exciting time. When partnering with us for your financing needs, however, we'll help ensure your experience is nothing but the latter.

From the quick and easy application process to exceptional member service at every turn, CommonWealth Central Credit Union gives genuine care to you and your investment well after reaching your final destination of getting in that driver's seat.

Ready to get started? Call us at (800) 564-1588 or apply today.

Auto Loan Rates

At CommonWealth, we offer competitive auto loan rates that will leave you feeling nothing but comfortable and confident in your purchasing decision. Know exactly how much car you can afford--all before you step foot onto another lot.

Explore Our Rates

  • Auto Loans

    New & Used Auto

    We can help put you in the driver's seat of the perfect car, truck, or SUV for your needs--new or used.

    • CommonWealth auto loans have great rates and offer no payments for 90 days*!
    • Multiple purchase types available including dealer, refinance, private party and lease buyout
    • Competitive terms from 36 to 84 months with rates as low as 3.24%
    • Pre-approval available

    Learn more about our current Auto Refinance Special. 

    *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.

  • Other Vehicles

    Motorcycle, Boat, and Recreational Vehicle Loans

    Looking for a more unique form of transportation? We offer loans for new or used recreational vehicles, trailers, boats, personal watercrafts, and motorcycles! You can borrow up to 100% of the purchase price based on qualifying factors with no up-front fees, pre-payment penalties, and rates as low as 4.49% .

    If you already have the outdoor vehicle(s) you need, you can also look to CommonWealth for refinancing that can lower your interest rate and monthly payment.

    Loan Types

    • Recreational Vehicles, Trailers, and Fifth Wheels. Borrow up to $100,000 for a vehicle or trailer made within the last 10 model years.
    • Boats and Personal Watercraft. Borrow up to $100,000 for vessels made within the last 10 model years.
    • Motorcycles. Borrow up to $100,000 for a motorcycle made within the last 8 model years. It must be titled and registered in California, and you must have a valid California motorcycle license.
  • 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. Our Auto Buying Tools include everything from having your own personal Autoland Consultant help you find the perfect vehicle, special rate incentives with Enterprise Car Sales, and personal financing calculators to help you figure out things like how much you can afford to borrow, how much your payment will be, and more!

    Autoland - Your Auto Concierge Service

    • With Autoland, you will have your own personal Autoland consultant to help you through the entire car buying process. They will help you locate the vehicle you’re looking for with all the features you want, and they will even negotiate a great price for you. They will also work directly with CommonWealth to set up your loan for you and can have your car ready for pickup at one of our branches, or even have it delivered right to your home! How’s that for convenience?

    Enterprise Car Sales - Get a 1% Loan Rate Discount

    • Finance an Enterprise vehicle with CommonWealth and receive a 1% rate discount* on your auto loan. Their conveniently located dealership in San Jose on Stevens Creek Blvd and their experienced representatives make looking for your new car easier then ever. Also, with every car purchase from their large vehicle inventory, Enterprise offers a free CARFAX® report, vehicle certification, and much more!

    AutoSMART - Online Car Buying Experience

    • Shop online for your perfect car! With AutoSMART you can research cars, view new & used car inventory at local dealerships, compare vehicles, and get connected with a local car advisor. Your smart choice for a stress-free car buying experience. Find your next car the AutoSMART way!

    Personal Financing Calculators 

    • Use these personal financing calculators to find out how much your loan payment will be, how much you can afford to borrow, how long it will take to pay off your auto loan, and much more!

Contact Us About Auto Loans

When using this contact form, please do not include any secure information, such as your member number. For specific membership questions, please login to Online Banking to send a secure message or you can call us at (800) 564-1588.

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