Vehicle Loans
Ready for your next adventure? Whether you need a reliable car for daily commuting, an RV for exploring, a boat for weekend fun, or a motorcycle for the open road, we’re here to help you make a financial choice that fits your life. At CommonWealth Central Credit Union, our flexible loan options are designed to fit your budget and keep you on track with your goals. Let’s explore the best loan for you!
Explore the Benefits of an Auto Loan
New & Used Car Loans
Drive smarter and save more with an auto loan from CommonWealth. Benefit from financing options that help you buy your first car, build credit, reduce monthly expenses, get a reliable ride to work, or hit the open road and explore.
Car Loan Refinancing
If you love the car parked in your driveway—but don’t love the loan that came with it—we can help you refinance with more friendly terms and better rates.
Explore Other Vehicle Options
Recreational Vehicles (RVs), Trailers, & Fifth Wheels
Looking for a more adventurous vehicle? We’ll loan you up to $150,000 for one built in the last 10 model years.
Boats & Personal Watercraft
Finance your dream boat with a loan of up to $100,000 for vessels made within the last 10 model years—set sail in style!
Motorcycle Loans
Get up to $50,000 to ride off on your dream bike—eligible for motorcycles produced within the last 8 model years, titled, and registered in California.
Auto Buying Services
Explore our trusted partners to help you find your next car or truck.
Enterprise® Car Sales
Save with a loan rate discount on Enterprise certified vehicles—plus perks like a free CARFAX® report and more.
Personal Financing Calculators
Not a numbers person? Our financing calculators make budgeting easy—estimate payments, borrowing limits, and payoff time in seconds!
What Our Members Are Saying
FAQS About Credit Union Vehicle Loans
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What are the benefits of getting a credit union vehicle loan?
Credit unions offer competitive rates and flexible repayment terms which means you can save money on your loan and pay it back on your schedule.
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Do I need to be a member of CommonWealth Central Credit Union to get a vehicle loan?
No, membership isn’t required to apply. However, if you decide to proceed with the loan, you’ll need to become a member. Joining is simple and open to anyone who lives or works in Santa Clara, San Benito, or Monterey County—or meets other broad eligibility criteria.
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Can I get pre-approved for a car loan before visiting a dealership?
Yes, you can get pre-approved for a car loan through our online application or by visiting one of our branches. Pre-approval gives you extra buying power when negotiating with dealerships.
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What kind of protection options are available for my vehicle?
We offer mechanical breakdown insurance, wealth protection, and guaranteed asset protection to make sure your vehicle is fully covered.
More Paths To Financial Growth
Personal Loans
Your Goals, Your Loan
A Personal Loan gives you flexible funds for what matters most—home projects, big purchases, or unexpected expenses!
Home Equity Line of Credit
Flexibility When You Need It
A HELOC gives you flexible funds when you need them—ideal for home projects, surprises, or future plans!
WealthMatters
Learn. Grow. Build Confidence.
Take charge of your financial life with quick, interactive lessons! Learn to save, budget, and plan—at your own pace.
*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 credit score 680. Auto refinances do not qualify.
**Rate discounts apply to certain types of auto loans. For example, vehicles purchased from Enterprise Car Sales.
^ Cashback offers apply to certain types of auto loans, such as those refinanced from other financial institutions.
All offers are subject to change or cancellation without notice, and certain restrictions may apply
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