Auto Loans

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A great loan at a great low rate starting at 2.50% APR*!

Get a great low rate as low as 2.5% (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:

PLUS!!  If you use our new Car Buying Service get additional benefits:

And when you use our new Car Buying Service, you get ADDITIONAL BENEFITS with a free 3-year membership of My EZ Car Care!!!


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 YearUp to 60 Months61-72 Months73-84 Months
20172.50% APR3.00% APR3.50% APR
20162.50% APR3.00% APR3.50% APR
20152.50% APR3.00% APR3.50% APR
20143.00% APR3.50% APR4.00% APR
20133.00% APR3.50% APR4.00% APR
20123.50% APR4.00% APR
20113.50% APR4.00% APR
20104.00% APR
20094.00% APR
20084.00% APR
20074.00% APR


*Annual percentage rate. Rates current as of 2/1/2017 and subject to change without notice. On approved credit . Other rates and terms may apply. Rates shown reflect .25% discount for automatic payment option, and a .25% discount for Class Act FCU checking with direct deposit. 100% financing available with no down payment for all terms and model years, however 90% maximum financing for high-end luxury vehicles with loan amounts greater than $75,000.

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 (MPB/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.

Here & Now Financing

Class Act’s Here & Now Financing offers members the convenience of the on-the-lot financing with the value of a Credit Union car loan.

Here & Now Financing works like this:

Click here for the full list of participating dealers

Apply Now!

View Our Rates