Vehicle Financing Centered On You.
Say yes to new adventures... with your new vehicle.
We can help you with financing your next auto or recreational 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 loan rates are low and competitive...You could qualify for auto loan rates as low as 3.08%APR* or recreational vehicle loan rates as low as 3.62%APR*!
View more loan rate information
- Same-day financing is available upon qualification
Vehicle Affordability Calculator
Not ready for the full application? No problem, this calculator will help you to compute how much car 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.
*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.