Auto Loans

Drive the car you love with affordable pricing you'll love even more!

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couple shopping for a vehicle

Loans that Put You in the Driver's Seat

Competitive Rates

Our affordable rates lower the cost of vehicle financing.

Flexible Terms

Terms of 36 to 120 months on new and used vehicles help you get payments you can afford.

No Application Fee

No hidden costs help you keep more of your hard-earned money.

Finance Up to 100% of Purchase Amount

You may qualify for a loan with no down payment, so you can drive off the lot sooner.

APR as low as

5.39% New Auto Loan1

APR as low as

5.39% Used Auto Loan1

APR as low as

5.39% Older Used Auto Loan1

APR as low as

5.99% Classic Auto Loan1

APR = Annual Percentage Rate

See All Rates
1"As low as” annual percentage rates (APR) are based on excellent credit history. Your actual APR will depend on several factors, including credit history, loan type, vehicle year, mileage, term, and loan amount. All auto loans may require a down payment depending on borrower qualifications. Rates are subject to change at any time.

Flexible Financing for Every Vehicle

We are here to push past financial roadblocks with competitive rates designed to keep your payments firmly in your comfort zone. Our quick approvals and expert team make the entire process a hassle-free experience.

New Auto

  • Loan terms of 36 - 120 months
  • Loan-to-value of 125%, including tax, tags, warranty, and other charges
  • Loans for dealer and private seller purchases

Used Auto

  • Loan terms of 36 - 120 months
  • Finance used vehicles that are up to 5 previous model years
  • Loans for dealer and private seller purchases

Older Used Auto

  • Loan terms up to 84 months
  • Finance used vehicles that are up to 12 previous model years
  • Loans for dealer and private seller purchases

Classic Auto

  • Loan terms of up to 96 months
  • Finance used vehicles that are 20 model years or older from the current year
  • Loans for dealer and private seller purchases

New Recreational Vehicle2

  • Loan terms up to 84 months. Extended terms subject to committee review.
  • Loan-to-value up to 125%, including, tax, tags, warranty, other charges.
  • Loans to purchase from dealerships or private sales.

Used Recreational Vehicle2

  • Loan terms up to 84 months. Extended terms subject to committee review.
  • Offered for vehicles within 10 years older than the current year.
  • Loan-to-value up to 125%, including, tax, tags, warranty, other charges.
  • Loans to purchase from dealerships or private sales.
2Available for Motorhomes, Travel Trailers, Fifth Wheels, Campers, Dirt bikes, ATVs, UTVs, Boats, or Snowmobiles.

Explore the range of possibilities in financing a used automobile

$20,000 for 36 months
at a rate of 5.39% APR

$603/mo

$30,000 for 60 months
at a rate of 5.39% APR

$572/mo

$30,000 for 72 months
at a rate of 5.99% APR

$497/mo

$30,000 for 84 months
at a rate of 6.49% APR

$445/mo

Helping You When Others Won't (HY WOW!)

We are dedicated to being your partner through life's unpredictable ups and downs, ready to do whatever is necessary to guide and support you. Unlike other institutions who might turn away when things get tough, we choose to lead with genuine understanding, practical flexibility, and authentic care, explaining how we can work together. Our success is when we see our members achieve financial stability and unstoppable growth.

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The HY WOW! Difference
CACL FCU team members working a company booth at an event

See What Our Members Are Saying

Kelly was wonderful in assisting with my recent loan. She was very attentive to all my concerns and was available whenever I had a question or needed assistance. She made the process easy. CACL in general has been a wonderful institution to work with and the individuals they employ are very personable and helpful as compared to many other institutions. I would highly recommend CACL for all your banking and financial needs.

Caryn

I closed on my 1st home today. I recommend Kelly. She made the entire process a breeze. She's knowledgeable, well versed, and respectfully connected. Her communication was straight forward. I have tremendous gratitude for her skills in helping me through the homeowner process.

A Harkins

Nick & Ryan are top notch from loan department! I have poor credit, but have a solid payment history with them. Trying to work something out for me across state lines! Couldn't ask for better folks to work with. Quickly too! No nonsense here.

Southern Commerce Logistics

How to Apply for a CACL Auto Loan

  1. Apply

    Conveniently apply online or in person at one of our branch locations.

  2. Application Review

    We'll connect with you to discuss your options and answer any questions.

  3. Close the Loan

    Sign the loan documents to complete the purchase of your new or used vehicle.

Frequently Asked Questions

A down payment or collateral is not always required for our credit union car loans. We offer 100% vehicle financing and the vehicle you are buying serves as the collateral for the loan. A down payment may be required in situations where you have a lower credit score or if you need to roll negative equity from a previous vehicle into the new auto loan.

We will gladly complete a preliminary review of your finances and give you an estimate of how much you could borrow for a vehicle.

Auto loan pre-approval is valid for 45 days. If you need more time, you must reapply by submitting updated financial information.

No, you can make extra payments or pay off your loan early to save on interest without penalty.

A classic car is any car that is 20 model years or older from the current year.

Finance is Complicated.
We Make It Easier.

Check out our financial education resources, made to help you manage your money, plan for the future, and achieve lasting financial success.

Financial Education Blog

Ready to Hit the Road?

Our affordable auto loans make it easy to get behind the wheel. Get started today!

Apply for an Auto Loan