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Auto Loans

Low rates. More road trips. 

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. 

  • Rates as low as 4.99% APR*
  • 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
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*APR = Annual percentage rate. Rates effective as of 5/1/2024 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 2022 or newer or newer models for a 48 month term. Payment example: $20,000 loan amount with a 48 month term at 4.99% APR* would have monthly payments of $460.48 or $23.03 per $1,000 borrowed.  

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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.

 

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.

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 up to thousands of dollars over the life of the loan. If you already have an auto loan elsewhere contact us today to see what we can do for you. Click here to refinance your vehicle with us.

 

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The New Way to Buy a Car

  • Find vehicles sold by our preferred dealers.
  • See what others paid for the car you want 
  • Receive free price and market reports
  • Virtual test drive of the car you want
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From Our Members

"My experience was wonderful. Julie was kind and spent time explaining the process and even provided me with intel on where I could find affordable and dependable trucks/SUVs."

- Jane 

"My loan officer was very kind and down to earth which put me at ease and that let me know I made the right choice choosing Class Act."

- Debbie 

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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
2022 or newer 4.99% APR* 5.49% APR* 5.74% APR* 6.24% APR*
2017 - 2021 5.74% APR* 5.99% APR*
2016 or older 6.24% APR*
MODEL YEAR
UP TO 48 MONTHS³
4.99% APR*
49-63 MONTHS²
5.49% APR*
64-75 MONTHS
5.74% APR*
76-84 MONTHS¹
6.24% APR*
UP TO 48 MONTHS³
5.74% APR*
49-63 MONTHS²
5.99% APR*
64-75 MONTHS
76-84 MONTHS¹
UP TO 48 MONTHS³
6.24% APR*
49-63 MONTHS²
64-75 MONTHS
76-84 MONTHS¹

*APR = Annual percentage rate. Rates effective as of 5/1/2024 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 2022 or newer or newer models for a 48 month term. Payment example: $20,000 loan amount with a 48 month term at 4.99% APR* would have monthly payments of $460.48 or $23.03 per $1,000 borrowed.  

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