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Auto Loans

Your loan. Your budget.

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Lowest available rates

New/Used Auto Loan Rates – Cars, Trucks, SUVs and Motorcycles
Model YearTermAPR1 As Low AsMonthly Payment
2021 or newer24 months4.94%$657.67
36 months5.44%$452.53
48 months5.69%$350.15
60 months5.89%$289.23
72 months6.19%$249.94
84 months6.99%$226.32
2020 and older224 months5.24%$659.68
36 months5.74%$454.56
48 months5.99%$352.21
60 months6.49%$293.42
72 months6.99%$255.66
84 months7.49%$230.00
Accurate as of 02/01/2023

Car buying simplified

Purchasing a vehicle should be simple right? We think so. That’s why at Connexus, we take car buying back to basics by giving you the essentials: competitive, nationally-ranked rates and friendly, personalized service. While most lenders can offer you one or the other, we’re proud to deliver both — it’s the Connexus difference.

Whatever stage you’re at in your vehicle purchase, we’ll meet you there! Once you’re ready to move forward, we’ll explore our flexible loan options together to design the perfect financing solution for your budget and needs. Ready to get started? Let’s go! Dive in with the resources below or schedule a chat with one of our auto lending experts to get your questions answered.

Refinance & save

Bring your current auto loan to Connexus to lower your payment and save.

Learn about refinancing

Crunch the numbers

How much car can you afford? Find out with our easy-to-use calculator tool.

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See our rates

Explore our new, competitive
rates on both new and used vehicles.

View auto loan rates
What’s better than rates as low as 4.94% APR1?
No payments for 90 days3.
What do you get when you finance your vehicle with Connexus? Competitive rates. Three months of no car payments3. And the attentive, hometown credit union service we’re known for. In other words, when you’re ready to start your engine, we’re the ones to call.

Auto loan perks

With an auto loan from Connexus, you’ll walk away with much more than a new vehicle. In fact, we pull out all the stops to give you an experience so stellar, you’ll become a member for life. To that end, here are just a few of the exclusive perks you can take advantage of:

Up to 90 days no payments3

Nothing better than that new car smell…except for three months of no payments. Request it and it’s yours.

Financing as easy as 1, 2, 3, 4

We take car buying back to basics. In just four simple, stress-free steps, we’ll help you get behind the wheel.

Less nickel-and-diming, more savings

At Connexus, fees just aren’t our style. That means no annual fees, prepayment penalties, or funds due at closing.

Amped-up security for peace of mind

Safety first! Protect your vehicle and financial well-being with Debt Protection, GAP Protection, and our Warranty Program.

24/7 access to digital banking

Flexibility? Freedom? We’ve got you covered. Manage your account anytime, anywhere, online or with the Connexus App.

Learn more about car buying

Auto Loan Pre-Qualification and Pre-Approval: What’s The Difference?

Gearing up for a new ride? Learn the difference between being pre-approved and pre-qualified for an auto loan.

Man buying car at dealership

10 Common Mistakes Car Buyers Make

Buying a car is exciting but stressful. Avoid these common mistakes to make it a smooth ride.

Woman finalizing car purchase

Why Get Financing BEFORE You Buy a Vehicle

If you want your dealership experience to be as smooth as possible, get your financing first. Here’s why.

FAQs: You asked. We answered.

GAP insurance is an insurance policy taken out at the time of an auto loan to cover the difference between what your insurance company will pay on the auto loan, if the auto is totaled, and the remaining payoff balance. The cost of the policy can be included in your loan or paid by cash.

Absolutely. The rates on this page apply to motorcycles. Loans for boats and other recreational vehicles can be found on our Recreational Loans page.

Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.

No, it’s not a requirement. But being preapproved helps you negotiate the best price for your car because you won’t end up with a high rate when you close the deal. Car dealerships take preapproved customers more seriously because it means you’re ready to do business. Here are more reasons we recommend getting pre-approved before you go to the dealership.

There are a number of different ways in which you can receive a title or lien release, depending on whether your loan is active or paid off, and whether you live in a state that processes paper or electronic titles. For more details, please review our Title and Lien Release FAQs.

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Disclosures

See our Fee Schedule for a list of fees you may encounter.

* Accurate as of:  . Source: Datatrac

1APR = Annual Percentage Rate. All rates accurate as of 02/01/2023 and are subject to change. Rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Loan term must be at least 24 months. Borrow $15,000 for 24 months with payments as low as of $657.67 and APR as low as 4.94%. Borrow $15,000 for 36 months with payments as low as $452.53 and APR as low as 5.44%. Borrow $15,000 for 48 months with payments as low as $350.15 and APR as low as 5.69%. Borrow $15,000 for 60 months with payments as low as $289.23 and APR as low as 5.89%. Borrow $15,000 for 72 months with payments as low as $249.94 and APR as low as 6.19%. Borrow $15,000 for 84 months with payments as low as $226.32 and APR as low as 6.99%. Individual rates and terms may vary and include all eligible discounts. Certain restrictions apply. Offer does not apply to loans currently financed at Connexus Credit Union. Offer subject to change or termination.

2 To be eligible for the lowest available rate, term length restrictions apply. Model years 2018-2020 have a maximum term of 84 months. Model years 2016-2020 have a maximum term of 72 months. Model years 2015 and older have a maximum term length of 60 months.

3Make no auto loan payments for up to 90 days upon request. Offer does not apply to auto loans currently financed at Connexus Credit Union. Deferred payments must be requested at the time of application, may not exceed 90 days, and are subject to credit approval. Interest begins accruing upon disbursal of loan. Some restrictions may apply.