Auto Financing Centered On You.

Prepare yourself for a whiff of that new car smell... with your new vehicle.

We can help you with financing your next vehicle purchase.

Applications can be completed online, in a branch, or over the phone
CMCU's knowledgeable and friendly lending staff can help walk you through any situation
Our auto loan rates are low and competitive... You could qualify for rates as low as 3.08%APR^*!
View more auto loan rate information
Same-day financing is available upon qualification

Apply

Your first step is to fill out an application. Good thing we have an easy online application for you! This will get you started on the road to your new vehicle.

Apply Now!

Get Pre-qualified

After your application is submitted, a member of CMCU's lending staff will be in touch to finalize a few details and pre-qualify you for your vehicle loan amount. And our lenders work hard to make sure you end the call with a smile.

Go Shopping

This is the fun part! Go find your perfect vehicle that fits with your pre-qualified loan amount. And if you're really ambitious, you can start picking out some names for your future traveling buddy.

Take a Deep Breath

Prepare yourself for a big whiff of new car smell headed your way! Just send the Purchase Agreement and a copy of your Insurance Card to CMCU's lending staff and we'll help coordinate the vehicle payment so you can drive off into the distance.

Vehicle Affordability Calculator

Not ready for the full application? No problem, this calculator will help you to compute how much car you can afford.

Down Payment:
Monthly Payment You Can Afford:
Expected Annual Interest Rate:
Loan Term:
Value of Your Trade-in:
Cash Rebate to Be Added to Down Payment:

You will be able to afford a vehicle that costs:
Loan amount you would need to qualify for:

*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us.

Frequently Asked Questions

Do I qualify to be a CMCU Member?

Great question! Our members can qualify for membership very easily. You will just need to work, worship, go to school, or volunteer in one of the 18 counties of our field of membership. So, when you open your account with us, you will open a one-time $5.00 “Share” account which makes you a member of CMCU and an equal owner of our credit union. And if you ever decide to close your account, you will receive your $5 deposit back. You can learn more here.

Do I need a Pre-Qualification letter to shop vehicles?

Sometimes, sometimes not. If you have already found your vehicle to purchase, we can set up financing right away and you won't need a pre-qualification letter. However, if you get pre-qualified and then shop around for vehicles, we'll send you a pre-qualification letter to bring to dealerships. Some dealerships may also contact us to confirm financing as a business practice.
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.

What if I've found my car before I apply?

That's great! Go ahead and fill out an application and we'll help you get the financing together as quickly as possible. If you are working with a dealership, we'll just need the Purchase Agreement and Insurance Card. Our lending staff will help walk through everything with you to get you on the road faster.

How do I make loan payments?

How can I pay off my loan faster?

Is there an easy way to remember my payment due dates?

Are there additional warranties and services?

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.

*Subject to credit approval. Membership qualification required. Rates based on past credit history. The rate reduction offered is based on a .25% discount for having a checking account and debit card and will be used to calculate the final Annual Percentage Rate (APR) to be assigned to a new loan. Other restrictions may apply. Ask for details. Equal Opportunity Lender. Federally Insured by NCUA.