Get Behind the Wheel of Your Next Favorite Vehicle with our Car and Truck Loans.

Get Behind the Wheel of Your Next Favorite Vehicle with our Car and Truck Loans.

See Our Remarkable Rates For Members.

Whether you’re purchasing a new or used car or truck, refinancing your vehicle loan from another lender or buying out your lease, we have the loan option that’s right for you. With COPFCU Vehicle financing, you’ll enjoy:

  • Low fixed rates
  • Financing terms up to 84 months*
  • Fast approval
  • eSigning from the comfort of your home or office

Get Pre-approved to Purchase Your Vehicle

If you’ll be purchasing a new or used vehicle, get pre-approved before you visit the dealer to lock in a low rate and save time once the price negotiations are done. 

Refinance your vehicle loan and save

Love your current ride but want to trade in your interest rate? If your vehicle loan is financed with another lender, consider refinancing at COPFCU. Contact us today to see how much we can help you save

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Calculate Your Car Loan Payment:

Monthly payment displayed includes principal and interest payment.

Car & Truck Rates

New Auto (2020 - 2024)

Used Auto (2017 - 2019)

Used Auto (2016 & Older)

TermAPR* fromAPR* to
Up to 76 Months6.99%18.00%
Up to 84 Months*7.99%8.24%
TermAPR* from APR* to
Up to 60 Months7.49%18.00%
Up to 76 Months7.49%9.99%
TermAPR* fromAPR* to
Up to 48 Months7.74%18.00%
Up to 60 Months7.74%10.24%

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.

Explore Plans

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 Life Insurance

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.



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.

Important Legal Disclaimer

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.