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Community Resource Federal Credit Union offers highly competitive rates on all of our loans. Whether you are buying or refinancing, we’re here to help. For over 85 years, Community Resource has been a trusted source for many folks in the Capital Region to get into their dream new or used auto. We understand how exciting the car buying process is, and that’s why we’re committed to providing exceptional service through competitive rates and a quick, easy application process.

Drive away happy with a low-rate auto loan.

Buying a new or used vehicle is exciting but it can also be a lot of work. We have made car shopping simple with our Auto Buying Center through our partnership with Groovecar.

Our members can use this free car buying tool to: 

  • Shop for your next vehicle with confidence
  • Research thousands of vehicles in our massive inventory with select dealers
  • Save time and money by getting pre-approved for your loan 
  • Refinance your existing auto loan 
  • NADA Trade-In Values – find out what your car is worth
  • Compare vehicles, get a free CarFax and more! 

Feel confident at the dealership knowing what you can afford and what you should be paying. Start your shopping experience here.

auto loan payment calculator


Whether you’re buying a new or used car or truck, getting pre-approved before setting foot on the dealership lot will make shopping easier. Get pre-approved today. Click here to begin. 




Use our loan calculator to estimate the amount of your monthly truck or car payment. Enter the car payment you want, auto loan rate, loan term or total car value to calculate your payment. 




We offer a discounted rate for members to take an online defensive driving course. Complete the course to receive a 10% insurance reduction. Use code LM101 for a $5.00 discount.

Save money when you refinance. 

If you’re paying too much in interest on your car or truck loan, refinancing could be a great way to save you some serious money. Interest rates for vehicle loans may have dropped since you financed your auto or maybe you’ve improved your credit score, which could qualify you for a lower rate. Either way, you could save hundreds of dollars by replacing your current auto loan with one from CRFCU.

Suppose last year you financed $30,000 at 17.00% interest for 5 years. Your monthly principal and interest payment would be about $745.  But say you could refinance the remaining balance of $20,000 for four years at a lower rate of 7.00%. Your payment would drop to $479. That’s a savings of $266 a month, or almost  $13,000 over four years, with the same payoff date.

Refinancing your auto loan can be a smart move in the right situation. By receiving a lower rate, you could save on interest costs, reduce your monthly payments and save you money!  Apply online and in just a few minutes you could be on your way to putting more cash in your pocket.

First time car buyer? 

We offer special loan terms for Young Adult shoppers who are First Time Car Buyers. Members who are 18 – 26 can borrow up to $15,000 if they satisfy the following requirements:

  • Must be at least 18 and able to repay the loan
  • Have been working 12 months or longer
  • Make at least $18,000 a year
  • Have limited credit history – no derogatory credit
  • Car mileage is less than 100,000 miles
  • Maximum borrowing balance of $15,000
  • Max LTV is 100%

We offer affordable payments, flexible terms, and fast approvals.

Have bad credit and need a loan? Talk to one of our Financial Service Representatives about how we can help.