Get Pre-Approved!
Complete the form and our finance team will contact you to review your financing options.
What’s Great About CRFCU Auto Loans?
We offer highly competitive rates on all of our loans…
Whether you are buying, leasing or refinancing, we make financing your vehicle easy and affordable. We have flexible terms up to 84 month and low rates to ensure you get the best deal possible. For over 90 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’re committed to providing exceptional, friendly service through competitive rates and a quick, easy application process.
Competitive Rates and Flexible Terms
Pre-Approval for New/Used Autos
Terms Up to 84 Months
Vehicle Loan Rates**
| TERM | 24 Mo APR* | 36 Mo APR* | 48 Mo APR* | 60 Mo APR* | 72 Mo APR* | 84 Mo APR* |
|---|---|---|---|---|---|---|
| 2021 & newer | 3.99% | 4.24% | 4.24% | 4.24% | 4.74% | 5.74% |
| 2018 - 2020 | 5.49% | 5.49% | 5.74% | 6.24% | 6.74% | NA |
| 2013 - 2017 | 7.99% | 8.24% | 8.49% | 8.99% | NA | NA |
** Rate includes Auto Pay discount. Auto Pay = 0.25% rate discount with an automatic payment.
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.
Energize Auto Loans Program
You Own The Vehicle
With Energize Auto the vehicle is titled in your name. This offers you greater flexibility both during the loan and at loan maturity.
No Down Payment Required
Most leases require a down payment, often referred to as a “Cap Cost Reduction” – our Energize Auto Program does not.
Lower Monthly Payments
Make lower monthly payments compared to conventional type auto loans.
You’re In Control
With Energize Auto, you can trade-in, pay-off, refinance, or sell the vehicle privately at any time.
First Time Car Buyer Program
Ready to buy your new car? We got you covered…
Ready to Buy Your First Car? We’ve Got You Covered! Getting your first set of wheels is a big deal — and we’re here to make it happen. Our First-Time Car Buyer Program is designed specifically for members who are ready to buy a car but don’t have an established credit history yet.
With affordable payments, flexible terms, and fast approvals, this program helps you get behind the wheel and start building your credit at the same time.
Here’s what you’ll get:
- Terms up to 72 months – so your payments fit your budget
- Financing up to 100% of your vehicle’s value
- Competitive, low rates for first-time buyers
- Simple qualification – just 12+ months at your job and current address
- Credit-friendly approvals for limited or no credit history
Even if you’ve had trouble getting approved elsewhere, we can help. This program is perfect for first-time buyers, young professionals, or anyone who wants to start strong and drive confidently into the future.
Ready to hit the road? Click below to apply now and get approved today!
Leaving the Community Resource FCU Website
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