Car and Truck Loans
Summer Vehicle Refinance Special
Whether you’re hitting the road, the water, or the campground this summer, refinancing could help you save. Enjoy rates as low as 4.99% APR* on cars and trucks for terms up to 76 months and as low as 6.99% APR* on boats, RVs, and motorcycles for terms up to 60 months. Offer available through July 31, 2026.
Competitive Rates. Flexible Terms. Local Service.
Whether you’re shopping for a new vehicle, buying used, refinancing from another lender, or purchasing your leased vehicle, COPFCU makes financing simple. With competitive rates, flexible terms, and local service you can count on, we’ll help you find the loan that fits your budget and your goals.
Why Finance with COPFCU?
When you choose COPFCU for your vehicle financing, you’ll enjoy:
- Competitive fixed rates
- Financing terms up to 84 months*
- Fast approval decisions
- Convenient eSigning from home or the office
- Local service from a team that puts members first
- Up to a 0.50% rate rebate based on your Rewards Plus status**
Get Pre-Approved Before You Shop
Take the guesswork out of car shopping by getting pre-approved before you visit the dealership. You’ll know your budget, strengthen your negotiating power, and spend less time waiting for financing once you’ve found the right vehicle.
Refinance Your Vehicle Loan and Save
Already love your vehicle? You may not need a new ride to get a better payment. If your current loan is financed with another lender, refinancing with COPFCU could help you secure a lower rate, reduce your monthly payment, or pay off your loan faster. Contact us today to see how much we can help you save.
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Car & Truck Rates
New Auto (2023 & Newer)
Used Auto (2020 - 2022)
Used Auto (2019 & Older)
| Term | APR* from | APR* to |
|---|---|---|
| Up to 76 Months | 5.49% | 16.49% |
| Up to 84 Months* | 6.49% | 6.74% |
| Term | APR* from | APR* to |
|---|---|---|
| Up to 60 Months | 5.99% | 16.49% |
| Up to 76 Months | 5.99% | 8.49% |
| Term | APR* from | APR* to |
|---|---|---|
| Up to 48 Months | 6.24% | 16.49% |
| Up to 60 Months | 6.24% | 8.74% |
Guaranteed Auto Protection Insurance (GAP)
If you purchase a new or late model used vehicle and it is totaled or stolen, your insurance will only pay the estimated value of the vehicle. Protect your credit rating and finances with GAP.
GAP is financial protection for you that will pay the difference between the insurance company payout and your outstanding loan balance at the time of loss.
Learn More
Quality Auto Insurance Just For You
COPFCU members can enjoy quality auto insurance at discounted rates through TruStage by Liberty Mutual. Get a quote now to see how much you can save.
Get a Free Quote
Mechanical Breakdown Protection
Even the most reliable cars and trucks can have a mechanical issue. Mechanical Breakdown Protection provides peace of mind against costly repairs.
Credit Life & Disability Insurance
While we often plan for our next new or used car, some life events are unpredictable. A major disability or sudden death can destroy a family’s finances. This is where Credit Life and Credit Disability insurance are invaluable. These plans reduce the financial burden on you and your family. Learn more and request a free quote today.
Credit Disability Insurance
Download a Free Copy of Our Car Buying Guide.
Preparing to purchase a car can be both exciting and stressful. With this guide and a little bit of homework, your next car will be your best purchase yet.
In this guide, learn all you need to know about Car Buying including:
-
- When is the best time to buy a car?
- What is MSRP?
- Should I refinance my car?
- How to find the best car loan.
- Understanding GAP and Mechanical Breakdown Protection.
FAQs
Do I need to get pre-approved before going to the dealership?
It’s not required but suggested so that you’ll have extra bargaining power at the dealership. Knowing how much you’re approved for ahead of time also helps you stick within your budget.
How long does a loan approval take?
If all information is provided, most vehicle applications can be approved within 60 minutes or less.
How can I check the status of my loan application?
You can check the status of your loan application by calling us at 513.381.2677 or toll-free at 800.810.0221.
How do I make my loan payment?
Online Banking and the Mobile App make it easy for you to pay your loans. You can schedule one-time or recurring payments from your COPFCU accounts or from any other US credit union or bank account. A small fee is charged for debit card payments, while transfers from your COPFCU accounts or ACH payments from another bank are free.
Important Legal Disclaimer
Vehicle Refinance Special
*Annual Percentage Rates (APRs) quoted reflect a discount of .50% off COPFCU’s vehicle loan rates for members with a credit score of 720+. Your rate may be higher based on your creditworthiness, amount financed and loan term. Rate discount of .50% off your qualifying rate is available for any titled vehicle loan refinanced from another lender by 7/31/2026. Additional terms and conditions may apply. Contact COPFCU for full details. 1Eligible members may receive additional loan rate rebates of up to -.50% through COPFCU’s Rewards Plus loyalty program. Learn more at copfcu.com/RewardsPlus or contact COPFCU for full details.
APR = Annual Percentage Rate. All loans are subject to credit approval. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change without notice.
1Loans currently financed with COPFCU are not eligible for refinancing.
Speak with a loan officer for full details.