A great loan rate starting at 3.00% APR*!
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Rates as low as 3.00% APR*
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Offer good on new, used or refinances*
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Extended terms available up to 84 months
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Defer first payment up to 60 days
Get a great low rate as low as 3.00% (after discounts for CAFCU checking and auto pay) and you can defer your first payment up to 60 days and get flexible terms up to 84 months. Plus even more benefits such as:
- No pre-payment penalties
- No credit check fees or application fees
- Great deals on related products like GAP & Mechanical Breakdown Coverage
Click here to calculate your auto loan payment!
PLUS!! If you use our Car Buying Service, get additional benefits:
- See what others paid for the car you want (powered by TrueCar)
- Free price and market reports
- Virtual test drive of the card you want
- Average Guaranteed Savings of $3,383 when buying a new car from a TrueCar certified dealer
Click here for the Class Act Car Buying Service with Auto Link
And when you use our Car Buying Service, you get ADDITIONAL BENEFITS with a free 3-year membership of My EZ Car Care!!!
- Auto discounts on repair, service and maintenance at over 10,000 locations nationwide
- Travel discounts
- Car rental discounts
- Amusement park discounts with mobile app
- Roadside assistance
- Much more
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Class Act has the very best deals for car loans. Not only are our rates consistently among the lowest you’ll find anywhere, but you’ll save even more on associated products like GAP and Mechanical Breakdown Protection (extended warranty). Plus, unlike other lenders, you won’t be charged silly “application fees” or “credit check fees” or “processing fees.” And of course, we never charge any “prepayment penalties.” We treat members fairly. It’s no wonder that members saved over a half million dollars last year alone by financing their car with Class Act.*
Benefits include:
• Low Rates
• Financing for new or used vehicles
• 100% financing available on approved credit
• Flexible terms, meaning lower monthly payments
• Peace of mind with loan protection options*
Ready to get pre-approved?
Buy with confidence by getting pre-approved first to make sure your payments match your budget. Click here to get pre-approved.
Interested in refinancing?
Refinancing a vehicle can save you thousands of dollars over the life of the loan. If you already have a car loan elsewhere contact us today to see what we can do for you. Click here to refinance your vehicle with us.
*Source: Informa Research, and CUNA
Current Auto Loan Rates
Rates shown are as low as
| Model Year | Up to 48 Months* | 49-63 Months* | 64-75 Months* | 76-84 Months* |
|---|---|---|---|---|
| 2019 | 3.00% APR | 3.50% APR | 4.00% APR | 4.50% APR |
| 2018 | 3.00% APR | 3.50% APR | 4.00% APR | 4.50% APR |
| 2017 | 3.00% APR | 3.50% APR | 4.00% APR | 4.50% APR |
| 2016 | 3.50% APR | 4.00% APR | 4.50% APR | |
| 2015 | 3.50% APR | 4.00% APR | 4.50% APR | |
| 2014 | 3.50% APR | 4.00% APR | 4.50% APR | |
| 2013 | 4.50% APR | 5.00% APR | ||
| 2012 | 4.50% APR | 5.00% APR | ||
| 2011 | 4.50% APR | 5.00% APR | ||
| 2010 | 4.50% APR | 5.00% APR |
*Annual Percentage Rate. 3.00% includes .25% discount for CAFCU checking with direct deposit and .25% discount for automatic payments. 3.00% rate is offered on new or used (2017 or newer) vehicles, for members with excellent credit history on terms to 48 months. Payment example: $20,000 loan amount with a 4-year term at 3.00% would have bi-weekly payments of $204.44 or $10.23 per $1,000 borrowed. Other rates and terms are available. Rates subject to change. Not available for refinance of existing CAFCU loans.
Loan Protection
Guaranteed Asset Protection (GAP) – GAP is designed to cover the remaining loan balance that your insurance will not cover if you are in an accident. You will also receive $1,000 towards your next purchase when you finance it through the Credit Union.
Mechanical Breakdown Protection (MBP/Warranty) – MBP gives you peace of mind as it covers repairs to mechanical parts of your vehicle that break. MBP also includes roadside assistance.
Credit Disability and Credit Life Insurance – Credit Disability and Credit Life work in two different ways. Credit Disability helps members make monthly loan payments if the insured borrower is totally disabled for longer than the waiting period. Credit Life works in the event the of the insured borrowers death.
Contact a Class Act Representative today for more information.