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Loans and Mortgages


Hassle-free car buying with rates as low as 0.99%*

Get Pre-Approved for a New or Used Auto Loan**

Pre-approval is an important step in ensuring you get the best deal when shopping for a car. Central One offers new and used vehicle financing at competitive rates and flexible terms to meet your individual needs. Get pre-approved now, and have the upper hand in car negotiations.


Or use the calculator below to estimate your monthly payment


Hassle-Free Car Buying —
Skip the negotiations, let our Auto Advisor find the best price!

So much haggling, up-selling, and hidden costs. Let us make the buying process simple. 
It’s as easy as 1-2-3. 

  1. Fill out a loan application for financing pre-approval**
  2. Ask your loan specialist to connect you with the Central One Auto Advisor to discuss your auto needs
  3. Our Auto Advisor will do the leg-work, shop around for the best price, and accompany you to the dealership — helping with the ENTIRE transaction and paperwork!


  • No application fees
  • Flexible terms
  • Refinance your current vehicle to save money
  • Convenient application process
  • Utilize Loan Payment Calculator to figure your car payment
  • Pre-Approval available before you shop for your vehicle
  • NADA Used Car Value book available.
  • Assistance through the buying process
  • Low cost Payment Protection available
  • GAP insurance available

Several Payment Options




Need auto insurance? Oak Tree Insurance Agency, an affiliate of Central One, serves the personal and business insurance needs of our members and the greater Shrewsbury community.

Learn More
*Annual Percentage Rate. Actual rate will be determined based on credit history, term, loan to value, and other factors. Promotion rate does not apply to existing vehicle loans with Central One. Other terms may apply. Visit our consumer lending rates page for additional disclosures. **Pre-approval based on credit history and other factors, not all applicants will qualify.
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For first-time login to CentralNet, use the password you selected when you opened your account.

If you do not have a password or have forgotten it, call 508-842-7400 or 800-527-1017.


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