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Auto Loans

We put you in the driver’s seat

Get on the fast track to a new auto loan

Who knew buying a car could be so easy? You pick out the car and we’ll take care of the financing in minutes!

Apply for an auto loan
See rates

Refinance with ease and unlock $200

Beginning February 1, refinance your auto loan of $15,000 or more from another institution with us, and enjoy the benefits!
  • 90 Days of No Payments – Take a pause and enjoy the payment break
  • $200 Cash Bonus* – Put it towards whatever you need this winter
  • Flexible Terms – Drive your monthly payment lower

And the best part? You can apply right in e-Banking – no hassle, no waiting. Simply log in and complete your application in minutes, all from the comfort of your home.

Don’t wait! This offer won’t last long.

Apply in e-Banking
Not a member? Join + apply
See rates

Great auto loan rates and benefits

We make it quick, easy, and personal. We can finance your new car or refinance your loan for a payment that fits your budget.

Guaranteed Asset Protection

Protection if your vehicle is totaled or stolen and your loan amount exceeds the vehicle value. 

No payments for 90 days

Don’t stress about those first payments. You have some wiggle room.

Skip-a-payment

Need to skip your payment this month? You’ve got options.

Coverage that expects the unexpected

We get it. Life happens. Talk to us about payment protection.

Mechanical Repair Coverage

Unexpected breakdown? We’ve got you covered.

Manage your accounts on the go

Download our app for easy access and convenience at your fingertips.

Helping our neighbors bank smart and live well

04.8Stars on Google

0K46.5KTotal Volunteer Hours

$0M1.6MScholarships Given

090Years of Service

How it works

Members can apply via e-Banking and non-members can apply to become a member online. Once you’ve found the vehicle and agree on a price with the dealer, we finalize the details and get you on the road.

  • Apply and get pre-approved
  • Find the car you’d like to buy
  • Confirm the details
  • We’ll help you finalize
Apply for an auto loan

Bank with a credit union that puts you first

Proving local banking can deliver all the modern tools you need while still offering personable, neighborly service.

Become a member

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers in Michigan and 30K+ fee-free ATMs nationwide

Hear from happy members

  • “I should have joined Community Choice Credit Union a long time ago!! Everyone there is so friendly and professional. Keep up the good work.” Sylvia T.
  • “I have been with Community Choice for 35 years I would recommend anyone and everyone to be able to experience my appreciation and good quality service from these great people. Again, thank you for your service.” Patricia S.
  • “Great CU! Courteous, professional, informative and a great place for checking, savings, and an auto loan if needed. Wouldn’t go anywhere else since starting my relationship with Community Choice! As always, thank you for great service!” Michelle K.
  • “We have been with the credit union for a long time, we have consistently received wonderful customer service and help when needed. We tell everyone about our wonderful credit union and recommend it often. Your staff is very pleasant and easy to work with. I appreciate knowing I can come in and get the help I need. Thank you for being there for us.” Thomas R.
  • “Absolutely wonderful service! The people I’ve spoken to are reliable, understanding, positive and helpful! They have solved everything I’ve had questions about in the kindest way! Thank you!” Ariel M.

Get on the fast track to a new auto loan

We get you on the road fast with a new auto loan or affordable refinancing options. Apply easily online today!

  • Lock in an affordable monthly payment
  • Enjoy no payments for 90 days
  • Stress less with repair coverage and asset protection
Apply for an auto loan

Auto Loans

Auto Loans for new and used carsAPR* as low as
Up to 48 months¹6.49%
49 to 60 months²
(Minimum loan amount $10,000+)		6.24%
61 to 72 months³
(Minimum loan amount $18,000+)		6.49%
73 to 84 months⁴
(Minimum loan amount $25,000+)		7.49%

Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.

*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.

¹ 48 monthly payments of $24.07 per $1,000 borrowed.
² 60 monthly payments of $19.81 per $1,000 borrowed.
³ 72 monthly payments of $17.17 per $1,000 borrowed.
⁴ 84 monthly payments of $15.59 per $1,000 borrowed.

*Offer effective February 1, 2025. Must be a new loan refinanced from another institution. Cash out refinances are not eligible. Loan amount must be $15,000 or greater to qualify. Funds will be disbursed 30 days after loan closing. Offer subject to change without notice.