Vehicle loans


	New or Used	First Time Buyer
	Same rate for new or used vehicle ¹•²	Up to 1% reduction on your rate ¹•²•³
	Auto Advisor Service	No credit history required
	Buying a hybrid or EV? Get up to .25% rate discount	Finance up to 120% of the vehicle's value
	Get up to 90 days**** to make your first payment.

	Apply Now
	Contact our Auto Advisor


	Refinance	Motor Vehicle Acquisition Plan (MAP) ²
	Same rate for new or used vehicle ¹•²	This program combines the best features of a lease and the advantages of vehicle ownership.
	Drive the car you love and save	Whether you are buying a vehicle, or refinancing, this program can save you money.
	Apply Now	Get a Quote

Visit our financial education partner, Zogo, and learn how to buy a car.

Current Rates

Term	APR as low as	Est. Payment
24 month term	5.12%	Calculate
36 month term	5.37%	Calculate
48 month term	5.49%	Calculate
60 month term	5.62%	Calculate
72 month term	6.37%	Calculate
84 month term	6.62%	Calculate

Rates effective as of 4/17/2024. Rates listed above are for personal use vehicles only. Commercial use vehicle rates may be higher. Down payment may be required.

*Annual Percentage Rate

	Need help buying your next vehicle?

	Our Auto Advisor Car Buying service is a free benefit of membership that puts an expert in your corner. Don't car shop alone. Central One will provide you with an expert Auto Advisor that will contact multiple dealerships to find the perfect car, negotiate the price, accompany you to the dealership and help with everything, including the paperwork.

Contact our Auto Advisor

Need help Insuring your next vehicle?

Our Oak Tree Insurance company is a full-service agency with special membership discounts.

Get your insurance quote from Oak Tree Insurance and take advantage of all your credit union membership has to offer. Oak Tree compares coverages, rates, and services from several carriers to find you the best policy customized for your needs.

Request a quote today!

More Ways to Save


		Guaranteed Asset Protection (GAP) Learn More
	Additional Information
	Guaranteed Asset Protection (GAP) In the event you've totaled your car, GAP insurance covers the difference between what a vehicle is currently worth (which your insurance will pay) and the amount you actually owe.


		Mechanical Repair Coverage (MRC) Contact Us
	Additional Information
	Mechanical Repair Coverage (MRC) Protect yourself against costly repairs after your vehicle's factory warranty expires by adding Mechanical Repair Coverage. It works at any authorized repair facility in the U.S. or Canada. Benefits include: Rental reimbursement up to $35 per day (5-day max or 10-day for parts delay) is available from day one of a covered repair. 24-hour emergency roadside assistance. Up to $100 per occurrence including towing, battery jumpstart, fluid delivery, flat tire assistance, and lock-out service. No out-of-pocket expenses (except deductible). The administrator pays the repair facility directly for the covered repair.


		Motor Vehicle Acquisition Plan (MAP)
	Additional Information
	Motor Vehicle Acquisition Plan (MAP) ² Vehicle title is in your name - you own the vehicle and are free to modify it or customize it how you wish, unlike a lease Pre-approval is available New and pre-owned vehicles up to 5 years old qualify Flexible terms available No security deposit, acquisition fees or first payment required at signing Sell or trade in the vehicle at any time, just pay off the loan balance with no pre-payment penalty and no early termination charges Annual mileage options of 7,500, 10,000, 12,000, 15,000 and 18,000 available At the end of the term, you can refinance and keep the vehicle, sell it, trade it in, or turn in the vehicle* Apply Now

Learn More

	For more information, click the plus sign
	Additional Information
	Motor Vehicle Acquisition Plan is only available for non-commercial passenger vehicles. If you opt to turn in your vehicle at the end of the term, a disposition fee of $395.00 will apply. ***Up to 90 days to pay promotion: Loans subject to credit approval. Interest will accrue from date of loan disbursal. Current Central One Federal Credit Union loans are excluded from promotion. Additional terms and conditions apply. ¹Subject to creditworthiness. Other significant terms apply. Program subject to change at any time without notice. For more information, ask a Representative for details. Cannot go below our lowest published rate. Minimum rate is the current lowest advertised rate, 5.12 % APR. Down Payment and/or cosigner may be needed ² Stated rate assumes term of 24 months and LTV under 75%, includes a 0.25% discount for Direct Deposit and Electronic Loan Payment and an additional 0.25% discount when deducted from a Central One Premium Checking account. ³ First Time Auto Loan - To qualify, you must not have a previous auto loan on your credit history. 1% discount includes Electronic Loan Payment from a Central One checking account. Discounts cannot be combined and cannot go below lowest published rate.

Auto Loans

Auto Loans

For more information, click the plus sign

	Need help Insuring your next vehicle?

	Our Oak Tree Insurance company is a full-service agency with special membership discounts. Get your insurance quote from Oak Tree Insurance and take advantage of all your credit union membership has to offer. Oak Tree compares coverages, rates, and services from several carriers to find you the best policy customized for your needs.
	Request a quote today!