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Auto Loans

The open road is calling

Whether you're shopping for a new or used vehicle, or just looking to refinance, Central One makes the process quick and hassle-free.  With rates as low as  1.99 % APR, you know you're getting a great deal! Ask us how you can get a pre-approved blank check to go vehicle shopping on your schedule!


Pre-approved Loan Check Program

Not sure what car you want to buy?  No problem!  Get pre-approved with Central One and receive a blank check that can be used at any franchise dealer. Take up to 90 days to shop for your perfect vehicle and purchase that day!


Term APR as low as Est. Payment

24 months 1.99 % Calculate

36 months 2.24 % Calculate

48 months 2.365 % Calculate

60 months 2.865 % Calculate

72 months 2.99 % Calculate

Rates effective as of 10/1/2018. Rates listed above are for personal use vehicles only.  Commercial use vehicles rates may be higher.


Start your Auto Loan Application today! 

  1. Submit an application

    To start the process, submit an application online 24/7, call a member support representative at 800-527-1017, or visit your local branch.

  2. Get pre-approved

    We will process your application and notify you when your pre-approval is completed, usually the same day. Borrowers with a credit score of 660+ may be eligible to shop with a Central One pre-approved blank check.* Ask a Representative for more details.

  3. Find the best deal on a new or used car

    Don't car shop alone! Central One will provide you with an expert Auto Advisor to help you shop. The advisor will contact multiple dealerships to find the perfect car, negotiate price, then accompany you to the dealership. We'll even help with the paperwork!

    Members who use the service save money by ensuring a great car price, but also by knowing the facts about the dealer "add-ons".

Apply Now or Call 800-527-1017

We'll help you shop

Our Auto Advisor concierge service will help find a vehicle that fits your needs and budget, assist with negotiating price, trade in, and dealer add-ons. Get advice on financing options, extended warranties and more. We'll accompany you to the dealership and even handle the paperwork.  Don't shop alone, contact a Central One representative today to find your dream car! 

Guaranteed Asset Protection (GAP)

In the event of an accident in which you've totaled your car, GAP insurance covers the difference between what a vehicle is currently worth (which your standard insurance will pay) and the amount you actually owe on it.  The difference between this value and the balance is the GAP.  To learn why GAP insurance is right for you, CLICK HERE

Motor Vehicle Acquisition Plan (MAP Loan)

This program combines the best features of a lease with the advantages of vehicle ownership. Whether you are buying a new or used vehicle or refinancing your existing auto loan, this program can save you money.

  • Vehicle title is in your name - you own the vehicle and are free to modify it or customize it how you wish unlike a lease.
  • No security deposit, acquisition fees or first payment required at signing
  • Sell or trade in the vehicle at any time, just pay off the loan balance with no pre-payment penalty and no early termination charges.
  • Drive up to 18,000 miles per model year
  • Available for new and used vehicles up to 4 years old**
  • At the end of the term, you can refinance and keep the vehicle, sell it, trade it in, or turn in the vehicle*** 
  • Pre-approval available

Get a quote to compare costs to a conventional loan and make an informed decision as to which loan program best fits your needs or apply now to get started today. 

Get a Quote Apply Now or Call 800-527-1017

*Subject to creditworthiness.  Other significant terms apply.  Program subject to change at any time without notice.  For more information, ask a Representative for details.

** Motor Vehicle Acquisition Plan is only available for non-commercial passenger vehicles. 

***If you opt to turn in your vehicle at the end of the term, a disposition fee of $395.00 will apply.

New and Used Auto Loan Disclosure: Loan approval and actual rate will be determined based on credit history, term, loan to value, and other factors. Stated rate assumes term of 24 months and includes a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account.  Copy of purchase and sale agreement required. Rate may be adjusted for vehicle age or high mileage vehicles. Qualified borrowers with A+ or A credit may borrow up to 110% of the NADA retail value. 

Auto Refinance Disclosure: Not available for existing Central One auto loans. Rate assumes term of 24 months. Loan approval and actual rate will be determined based on credit history, term, loan to value, and other factors. Stated rate includes a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account.

MAP Disclosure: Any vehicle with MSRP over $75,000.00 and a residual value of $20,000.00 or more will have a surcharge added to the loan.