Discover Your Savings Low Auto Loan Rate
Not only are our rates consistently among the lowest you’ll find, you get to save even more on associated products like GAP and Mechanical Breakdown Protection (extended warranty). Forget about application fees, credit check fees, processing fees, or prepayment penalties. Our experienced team will help you get the best terms and rates to make owning a vehicle easier than ever. Your highway to low rates starts with Class Act.
- 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*
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
The New Way to Buy a Car
- See what others paid for the car you want (powered by TrueCar)
- Receive free price and market reports
- Virtual test drive of the car you want
Average Guaranteed buying a new car from a TrueCar certified dealer: $3,383
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) – MBP gives you peace of mind as it covers repairs to mechanical parts of your vehicle that break. Four levels of coverage (Platinum, Gold, Silver, and Copper) are available to safeguard you against expensive repairs. Additionally, it includes Roadside Assistance, Rental Vehicle Assistance, Tire Road Hazard, and Trip Interruption.
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 borrower's death.
Contact a Class Act Representative today for more information.
Additional Benefits
When you use our car buying service, you'll get additional benefits with a 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
And more!
Our Rates
| 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.