Vehicle Loans

As low as



For up to



Let our experienced team of loan professionals help you save with low auto loan 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 car or a 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?

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 Auto Loan Rates

  • Auto Refinance Options

    Auto Loan Refinance Benefits

    Get outstanding cash back benefits and incredible features that include:

    • A full 1% cash back when refinancing your auto loan from another financial institution.1
    • Competitive rates as low as 6.24% APR* for the first 60 months (5 years)
    • No payments for 90 days2
    • Term lengths ranging from 36 to 84 months (3 - 7 years)

    Learn more about our current Auto Refinance Special. 

    *APR=ANNUAL PERCENTAGE RATE. Advertised rate of 6.24% APR for 36 months is based on a new vehicle. Loan payment example: $30.53 per month for each $1,000 borrowed at 6.24% APR for 36 months. Longer terms are available. All rates are subject to loan term limits and certain restrictions may apply. Contact us for minimum loan amounts by term, maximum loan amounts and loan-to-value requirements. The rate you receive will be based on certain credit-worthiness factors and approximate repayment and may be higher than the rate shown above. Please ask us for the rate for which you qualify. Rates and terms are subject to change without notice and all loans subject to credit approval.

    **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 with low rates 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. 

    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

  • 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 1.00%  Loan Rate Discount

    • Finance an Enterprise vehicle with CommonWealth and receive a 1.00%  loan 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 than 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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