Auto & Truck Loans Competitive auto/vehicle loan rates
Finance your next car or truck and enjoy:
- Low rates
- Financing terms up to 84 months*
- Fast processing – usually 30 minutes or less
Remember, dealer financing and dealer GAP insurance benefits the dealer, not you! Get the best financing rate and GAP insurance with us!
* Speak with a Loan Officer for full details.
If your car is totaled or stolen, your insurance will only pay the estimated insurance value for the vehicle. That could be a problem if you owe more on your car loan than your insurance will pay.
GAP (Guaranteed Auto Protection) pays the difference between the insurance value and the outstanding balance of your loan.
You may need GAP if:
- You purchased a new vehicle with less than 20% down.
- You financed your vehicle for an extended term (beyond 48 months).
- You plan to drive your new vehicle more than 15,000 miles annually.
These situations will likely result in your car’s value being less than your outstanding loan amount.
GAP (Guaranteed Auto Protection) Benefits:
- Pays off any remaining auto loan balance not covered by insurance
- Pays your insurance deductible up to $1,000
- Saves you hundreds – and often thousands – out of pocket
- Protects your credit rating
Speak with a COPFCU Loan Officer about GAP today.
Auto / Truck Loans
| Rate | Term |
|---|---|
| From 2.49% APR**^ | Up to 72 Months |
| From 3.99% APR**^ | Up to 84 Months |
** APR – Annual Percentage Rate. Rates are subject to change without notice. Your actual rate may be higher based on your Member Rewards status and your overall credit profile.
^ Includes the maximum Member Rewards rate discount and additional .25% discount for having Secure Checking.