Drive off with an auto loan that fits
From your first set of keys to a well-earned upgrade, we’ll talk through the rates and terms together and help you choose a loan with confidence.
Options for every kind of buyer
Whatever your situation, there’s an auto loan here that can fit your life and budget.
Used Auto Loans
Buying used? You’ll still get fair rates, personal guidance, and the confidence of a local partner who wants to see you go places.
- Flexible options
- Decisions made by people here
- Financing options for a range of years and models
New Auto Loans
Start fresh with competitive rates, personal guidance, and the confidence of working with a local partner who knows your name.
- Competitive local rates
- Terms built around your budget
- Get pre-approved before you shop
Auto Loan Refinance
Refinancing could lower your rate or payment. Get started with personal guidance from a local partner you can count on.
- A shot at a lower rate
- A payment that fits your life
- Bring your loan closer to home
Why members finance with us
We’re here to help you make decisions that support your future, not just to approve a loan. Here you’ll find:
- Competitive rates that save you money over time
- Online applications you can finish from anywhere
- Simple e-signing, with no unnecessary trips to the branch
- A local team that knows your name and wants you to succeed
I’ve had an account since I was a kid and it has always been a pleasant experience. The staff are always helpful. When I needed to buy a car, I got my loan done the same day!
- Hunter M
- Linden CU Member
Current Auto Loan Rates
| Term | 2021 + newer models APR1 as low as | 2018 – 2020 models APR1 as low as | 2017 + older models APR1 as low as |
|---|---|---|---|
| 36 Months | 4.49% | 5.99% | 7.49% |
| 48 – 60 Months | 4.49% | 5.99% | 7.49% |
| 72 Months (2022 + newer only) | 4.49% | 5.99% | 7.49% |
| 84 Months (2022 + newer only) | 5.74% | N/A | N/A |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan questions, answered
What do I need to apply online?
Just a few things: a government-issued photo ID, your contact and employment information, and the vehicle details if you’ve already found one. You can complete the whole application online from wherever you are, and with the option to e-sign means there’s no need to come in unless you’d like to. If we need anything else, we’ll reach out and help you through it.
How much will my monthly loan payment be?
Your monthly payment depends on the amount you borrow, your interest rate, loan term, and down payment. Our team can walk you through your options and help you find a payment that fits your budget.
Can I get pre-approved before I shop?
Yes, and many members find it helpful to do exactly that. Getting pre-approved gives you a clear sense of what you can comfortably afford and lets you shop with the confidence of a cash buyer. It only takes a few minutes to apply, and there’s no obligation to move forward until you’re ready.
Can I refinance a loan from another lender?
Yes, if you’re carrying an auto loan somewhere else, we’re glad to take a look and see whether refinancing with us could lower your rate, your monthly payment, or both. There’s no cost to ask, and we’ll be straight with you about whether the switch is worth making.
Wherever you’re starting, we’ll start there with you.
