Lending Rates
Rates
To apply for an auto loan, click the button below.
All rates are current as of January 1, 2025.
New Vehicle 2024 - Newer
Used Vehicle 2017 - 2023
Used Vehicle 2016 - Older
New Vehicle 2024 - Newer
| Term | Annual Percentage Rate (APR) |
|---|---|
| 0 – 60 Months | as low as 4.94% |
| 61 – 72 Months | as low as 5.49% |
| 73 – 84 Months | as low as 5.94% |
| 85-120 Months | as low as 6.49% |
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rate quoted is for a minimum of $5,000.00 of new money. Payment example: $36,000 loan on a 2024 vehicle for a term of 60 months with a 4.94% APR, the monthly payment = $675.56. Call credit union for full details. Subject to approval.
Pay your loan through automatic electronic payment and you won’t have to worry about late fees or the hassle of writing checks! Your payment amount can be deducted from any deposit account at CENT or another financial institution. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
Used Vehicle 2017 - 2023
| Term | Annual Percentage Rate (APR) |
|---|---|
| 0 – 60 Months | as low as 5.99% |
| 61 – 72 Months | as low as 6.99% |
| 73 – 84 Months | as low as 7.99% |
| 85-120 Months | as low as 8.99% |
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rate quoted is for a minimum of $5,000.00 of new money. Payment example: $5,000 loan on a 2018 vehicle for a term of 36 months with a 5.99 % APR, the monthly payment = $151.32. Call credit union for full details. Subject to approval.
Pay your loan through automatic electronic payment and you won’t have to worry about late fees or the hassle of writing checks! Your payment amount can be deducted from any deposit account at CENT or another financial institution. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
Used Vehicle 2016 - Older
| Term | Annual Percentage Rate (APR) |
|---|---|
| 0 – 60 Months | as low as 8.99% |
| 61 – 72 Months | as low as 9.99% |
| 73 – 84 Months | as low as 10.99% |
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rate quoted is for a minimum of $5,000.00 of new money. Payment example: $5,000 loan on a 2015 vehicle for a term of 36 months with a 8.99% APR, the monthly payment = $157.78. Call credit union for full details. Subject to approval.
Pay your loan through automatic electronic payment and you won’t have to worry about late fees or the hassle of writing checks! Your payment amount can be deducted from any deposit account at CENT or another financial institution. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
Other Loan Rates
| Term | Annual Percentage Rate (APR) |
|---|---|
| Signature Loan & Personal Loan | 13.50% |
| Share Secured (APR above the share or time share collateralized Annual Percentage Yield) | 2.95% |