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Get the right car loan for you.

Hit the open road with confidence! Our auto loan options offer the competitive rates and flexible terms you're looking for.

AUTO LOAN RATES

[1] APR=Annual Percentage Rate. [2] All vehicle models 2019 and newer are considered new autos. Payment example is based on a $15,000 loan. [3] All vehicle models 2018 and older are considered used autos. Maximum mileage is 100,000. Vehicles with more than 100,000 miles or older than 8 model years add 1.00% to rate. Payment example is based on a $15,000 loan. [4] Payment example is based on a $15,000 loan. All loans subject to credit approval. Membership eligibility required.

Rates as of: October 3, 2024
TERM
APR1 (as low as)
PAYMENT2 (MONTHLY)
TERM
0 - 36 Months
APR1 (as low as)
6.39%
PAYMENT2 (MONTHLY)
$459.00
TERM
37 - 48 Months
APR1 (as low as)
6.39%
PAYMENT2 (MONTHLY)
$355.00
TERM
49 - 60 Months
APR1 (as low as)
6.39%
PAYMENT2 (MONTHLY)
$293.00
TERM
61 - 72 Months
APR1 (as low as)
6.59%
PAYMENT2 (MONTHLY)
$253.00
TERM
73 - 84 Months
APR1 (as low as)
6.89%
PAYMENT2 (MONTHLY)
$226.00
Rates as of: April 8, 2024
TERM
APR1 (as low as)
PAYMENT3 (MONTHLY)
TERM
0 - 36 Months
APR1 (as low as)
6.74%
PAYMENT3 (MONTHLY)
$462.00
TERM
37 - 48 Months
APR1 (as low as)
6.74%
PAYMENT3 (MONTHLY)
$358.00
TERM
49 - 60 Months
APR1 (as low as)
6.74%
PAYMENT3 (MONTHLY)
$296.00
TERM
61 - 72 Months
APR1 (as low as)
6.99%
PAYMENT3 (MONTHLY)
$256.00
Rates as of: October 3, 2024
TERM
APR1 (as low as)
PAYMENT4 (MONTHLY)
TERM
0 - 72 Months
APR1 (as low as)
7.59%
PAYMENT4 (MONTHLY)
$260.00

[1] APR=Annual Percentage Rate. [2] All vehicle models 2019 and newer are considered new autos. Payment example is based on a $15,000 loan. [3] All vehicle models 2018 and older are considered used autos. Maximum mileage is 100,000. Vehicles with more than 100,000 miles or older than 8 model years add 1.00% to rate. Payment example is based on a $15,000 loan. [4] Payment example is based on a $15,000 loan. All loans subject to credit approval. Membership eligibility required.

Start your Auto Loan application

Car Loan Benefits

Ready for an upgrade? Get the car or truck you've had your eye on, or enjoy potential savings by lowering your existing car loan payment with a CCCU car loan today.

Kids camping in the family car that was purchased through consolidated community credit union in Portland Oregon.

Low Auto Loan Rates

Rest easy! CCCU's competitive auto loan rates let you buy your next vehicle while staying on budget.

Flexible Terms

Select the auto loan term that best fits your unique financial needs and budget. We offer loan terms up to 84 months.

100% Financing

Our local experts know that every dollar counts. Enjoy up to 100% financing on your car loan!

Free Consultation

Not sure which car loan is right for you? Call us at 503.797.7561 or stop by a local branch today.

OUR BEST AUTO LOAN RATES

Auto Loan Calculator

Do you know how much car you can afford? Test different loan amounts, car loan interest rates, and loan terms to find the perfect payment for your budget.

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Guaranteed Asset Protection (GAP)

Vehicles can depreciate in value quickly—sometimes quicker than you can pay off the loan. This could leave you on the hook financially if your new vehicle is totaled or stolen and not recovered. Ensure you are covered by signing up for GAP.

Our MEMBER'S CHOICE® Guaranteed Asset Protection (GAP) Plus coverage includes $1,000 towards your down payment on a replacement vehicle when financed by CCCU within 60 days after your primary insurance company issues a settlement check.

Be sure to ask about GAP when you apply for your CCCU Auto Loan to learn how this coverage can protect you and your family.

Woman opening door of her new dream car that she purchased with the best auto loan in Portland Oregon.
Father and son in the bed of the truck that was purchased with Consolidated Community Credit Union.

Extended Car Warranty Coverage

CCCU's Mechanical Breakdown Protection (MBP) is a great extended car warranty option that protects you and your wallet from costly repairs and potential breakdowns beyond your existing manufacturer's car warranty. Benefits include:

  • Nationwide Coverage
  • 24-hour emergency roadside assistance
  • Rental car assistance
  • No-deductible plans available
  • Covers most out-of-pocket major repairs

Ask about our MBP extended car warranty coverage when you apply for your CCCU car loan.

Is loan protection right for you?

When life throws you a curveball, be one step ahead with our Auto Loan Protection. Enjoy added security from potential delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

Protected events include:
  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Ask about our loan protection options when you apply for your CCCU Auto Loan.

Dashboard of new car overlooking the columbia gorge in Oregon.

Save money with our car buying guide.

Our Car Loans 101: Car Buying Made Easy guide prepares you for what to expect along your car buying journey, helping you find the right car and right car loan for you and your budget.

Ready to get started? Download your guide now:

What our members are saying:

“CCCU was the only credit union (or bank) that I encountered where a single person worked with me from start to finish, and the only place that really took a careful individual look at assets, history, etc.  So...I highly recommend them for both everyday banking and loans.”

John C.

“JUST the best. I switched over to CCCU from another CU I shall not name here. The difference between the old one and CCCU is night and day. Everyone at CCCU is genuine, skilled, friendly, and really easy to talk to. I love my credit union!” 

Corey C.

“I've never applied for a loan before, but today Katherine N. walked me through the process and made it pain-free and simple. She's amazing at her job: super helpful and kind, and you can tell from her voice she truly, actually cares. That matters to me, and it should probably matter to you, too. Even the atmosphere inside the CCCU building is welcoming and easy. I cannot recommend this place enough.”

Kell D.

Car Loan Frequently Asked Questions

Do I need to be a CCCU member to apply for an Auto Loan?

You don’t need to be a member to start an Auto Loan application. However, you’ll need to qualify for membership to complete the process.

Do I need a down payment to purchase a vehicle?

CCCU does not always require a down payment for vehicle loans. Financing options are available for up to 100% of the purchase price. Whether you need to make a down payment will depend on your application, including the loan amount, loan term, collateral, and credit history.

How do I refinance a car loan?

Refinancing your car is an easy way to potentially lower your car loan interest rate and monthly payments. To do this, you’ll need the right information and documents (car mileage, VIN number, 10-day payoff amount, driver’s license, and possibly income verification), and then you’ll choose a financial institution with which to apply.

The bank or credit union will review your information, check your credit history, and then let you know whether or not you qualify for a lower interest rate. If you do, they’ll work with you to run the numbers and set your new loan term to a lower monthly car payment.

Can I sell a vehicle that I still owe money on?

Yes. If you owe money on a CCCU Auto Loan, we will retain the title to your vehicle until the loan is paid in full. Once you've found a buyer, you should pay off your loan with funds from the sale, and then CCCU will release the title for transfer to the vehicle's new owner.

What kind of credit score do you need to get a car loan?

Credit history is one of the main factors lenders consider to determine auto loan approval. It shows them whether the borrower is high or low risk. Most financial institutions will look at the borrower’s industry-specific auto FICO® Score5, their base FICO® Score from one or more consumer credit reporting bureaus: Equifax, Experian and TransUnion.

A borrower’s credit score doesn’t just determine car loan approval and the eligible amount, it also affects the interest rate the borrower is given. While it’s possible to find car loan interest rates between 0-8% on new car loans, borrowers will require a credit score of 700 or higher. Reversely, while a borrower may find an auto loan lender willing to accept an average (mid-600s) or low (500s to low 600s) credit score, the borrower’s interest rate will likely be three to five times higher (between 10–24%) than those with good or excellent credit.

What is Guaranteed Asset Protection (GAP)?

If your vehicle is totaled or stolen within the term of your loan, your insurance company only pays the actual cash value of the vehicle at the time it is totaled or stolen. In some cases, this amount may be less than what you owe on your loan. GAP serves as additional protection that could pay down your remaining loan balance.

At CCCU, we offer MEMBER'S CHOICE® Guaranteed Asset Protection (GAP) Plus coverage to our members, which includes $1,000 towards your down payment on a replacement vehicle when financed by CCCU within 60 days after your primary insurance company issues a settlement check.

DISCLOSURES

[5] FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. CCCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. CCCU and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FICO® Score available to primary members only.