Auto Loan

Q: Can I refinance a loan I already have somewhere else?

Yes, you can refinance an auto loan from another lender with City & County Credit Union. Refinancing could lower your monthly payment or help you pay off your car sooner.

Q: Do I need to pick a vehicle before I apply?

No, you don’t need to pick out a car before you get pre-approved for an auto loan. Getting pre-approved first shows you how much you can borrow, so you can shop with a clear budget in mind.

Q: Can I buy from a private seller?

Yes, you can use a City & County Credit Union auto loan to buy from a private seller or a dealership.

Q: Are GAP Plus or an extended warranty required to get an auto loan?

No, City & County Credit Union doesn’t require GAP Plus, Debt Protection, or an extended warranty to get an auto loan. All three are optional, and skipping them won’t affect your loan approval or terms.

Drive Your
Dream

Buy new, buy used, or refinance with a CCCU auto loan that gives you flexible terms and room in your budget.

Apply Now Calculate New Car Payment

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Car Buying Without the Chaos

Pre-Approval Before You Shop

Know your rate and budget before you walk onto any lot.

No Payments for 90 Days

Take up to 90 days before your first payment is due.

Finance Up to 100%

Cover the full purchase price, including taxes and fees.

Flexible Terms

Pick a repayment timeline that fits your budget today.

Trusted Vehicle Values

Check J.D. Power values before you agree to a price.

CHECK CURRENT RATES

How Much Car Can You Afford?

Plug in an amount and term to estimate the monthly payment on a new or used vehicle.

Calculate New Car Payment Calculate Used Car Payment

Your Guide to Buying a Car

Get a clearer picture of car financing before you choose a loan or sign on the dotted line.

Download The Free Guide

City & County refinanced my car for a lower monthly payment — and helped me build my credit at the same time.

— Lizzie W, CCCU Member

My car was totaled, and my bank wouldn't qualify me for a loan because of past financial problems. A friend told me to try City & County Credit Union. They got me the loan, I got my car, and I got my life back.

— Gary S, CCCU Member

I was going through a tough financial stretch when I decided to refinance my car. They came back with an offer that lowered my rate and freed up extra money every month.

— Jesus G, CCCU Member

Get Ready Before You Buy

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Find Your Next Car

Browse local inventory and compare options in one place.

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Explore Coverage

Look into extended warranty coverage that helps keep you moving.

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Protect Your Loan

See how GAP Plus can help cover the difference if your vehicle is totaled.

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Explore Debt Protection

Learn how loan protection keeps your car payments on track through unexpected life events.

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Get an Insurance Quote

Compare insurance options and find a policy that fits your needs.

Auto Loan FAQs

Can I refinance a loan I already have somewhere else?

Do I need to pick a vehicle before I apply?

Can I buy from a private seller?

Are GAP Plus or an extended warranty required to get an auto loan?

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Let’s Get You Behind the Wheel

Apply online, visit a branch, or talk with a CCCU team member about your auto loan options.

Apply Now Find A Branch

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Auto Loan

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Dream