Auto Loans


3.24% APR* 

  1. Rates as low as 3.24% APR*

  2. Extended terms available up to 84 months¹

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Model YearUp to 48 Months³49-63 Months²64-75 Months76-84 Months¹
2020 or Newer3.24% APR*3.49% APR*3.74% APR*4.24% APR*
2015-20193.74% APR*3.99% APR*
2014 or Older4.74% APR*

 *APR = Annual percentage rate. Rates effective as of 11/01/2022 and subject to change without notice. On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate. Rates shown reflect .25% discount for automatic payment discount and on 2020 or newer models. Payment example: $20,000 loan amount with a 63 month term at 3.49% would have monthly payments of $378 or $18.90 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.

¹Term of 84 months available on 2020 or newer vehicles with approved credit. 

²Max Term of 63 months available on 2015-2019 vehicles with approved credit. 

³Max Term Limited to 48 months on 2014 or older vehicles with approved credit.  

Click here to calculate your auto loan payment!

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


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!!!


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

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 may 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.

Apply Now!

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