90 Days No Payments Promotion
Keep some extra cash in your pocket for 90 days.
Be payment-free for 90 days when you finance your next vehicle loan with CMCU.
- New or used auto vehicles
- Pick your first payment date within 90 days from loan origination
- Rates as low as 2.45% APR* - Rates are always low and competitive
- Offer valid on loan applications submitted through September 15, 2020
- Applications can be completed online, over the phone, or at a branch
- CMCU's knowledgeable and friendly lending staff can help walk you through any situation
Certain restrictions apply. Other rates and terms available. Does not apply to any existing CMCU loan or members with a credit score below 680.
Auto Vehicle Affordability Calculator
Not ready for the full application? No problem, this calculator will help you to compute how much loan you can afford.
Frequently Asked Questions
Your pre-qualification offer is typically valid for 90 days with CMCU. If we have not heard from you about purchasing a vehicle within those 90 days, then your loan application will be closed and you will need to reapply if you decide to obtain financing after the expiration date.
CMCU Internet Banking: You can transfer funds from your CMCU checking/savings account into your loan account. Learn more here.
CMCU Mobile App: You can transfer funds from your CMCU checking/savings account into your loan account. Learn more here.
Phone: (888) 330-8482 Pay over the phone with a debit card or CMCU account transfer.
Mail: PO Box 190, St. Joseph, MN 56374. Please include your Account Number and Loan ID. You will not receive a payment receipt by mail but you can verify the transaction within Internet Banking.
Branch: Visit any CMCU location to make a payment.
GAP Protection is an affordable coverage add-on which protects you, the member, and CMCU in the event that the vehicle is totaled and you owe more than what it is worth.
Route 66 Extended Warranty can be purchased on any vehicle to protect you against costly repairs. In addition, it provides 24/7/365 Emergency Road Service, no deductible, and a 30-day money back guarantee. This service can be purchased for any vehicle, even if you don't have a vehicle loan.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver’s license or other identifying documents.
Member qualification is required. Loan fees apply. Loan terms and conditions are based on credit qualification and approval. Offer applies to any personal new or used automobile (2012 or newer) loan through direct loans or indirect lenders. Offer only available on purchases. Does not apply to any current CMCU loan. Cannot be added to any CMCU loan. Cannot be combined with any other offers.
Minimum credit score of 680 to qualify for promotion. The maturity of the loan will increase by up to 2 months and interest will continue to accrue. Other restrictions may apply. Ask for details. Offer valid on loan applications submitted June 29, 2020, through September 15, 2020. CMCU reserves the right to terminate promotion at any time.
Auto Loans with a 90 day no payment:
Minimum APR loan payment example for vehicles 2012 and newer: $10,000 for 36 months including a $50 doc prep fee, will have a 2.748% APR and a $289.54 monthly payment. Max term varies based off credit score and year of collateral.
Other promotional auto offers available for purchases and refinances.
Rates subject to change. Equal Opportunity Lender. Insured by NCUA.