Serving People, Not Credit Scores
Bad credit or no credit? No worries! We're here to get you a loan with the best rate possible so you can have an affordable payment and build your credit score by paying your loan back. At Class Act, you're more than just a number, and you don't need to have perfect credit to get a great auto loan.
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 Instead?
Refinancing a vehicle is a fast, simple process with no closing costs that 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
|MODEL YEAR||UP TO 48 MONTHS³||49-63 MONTHS²||64-75 MONTHS||76-84 MONTHS¹|
|2021 or Newer||4.24% APR*||4.49% APR*||4.74% APR*||5.24% APR*|
|2016-2020||4.74% APR*||4.99% APR*|
|2015 or Older||5.24% APR*|
*APR = Annual percentage rate. Rates effective as of 01/01/2023 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 2021 or newer models. Payment example: $20,000 loan amount with a 63 month term at 4.49% would have monthly payments of $357 or $17.85 per $1,000 borrowed. Not available for refinance of existing CAFCU loans.
¹Term of 84 months available on 2021 or newer vehicles with approved credit.
²Max Term of 63 months available on 2016-2020 vehicles with approved credit.
³Max Term Limited to 48 months on 2015 or older vehicles with approved credit.