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Auto Loans


Hassle-Free Car Buying

Whether you're shopping for a used or new vehicle, Central One makes the process quick and hassle-free. Our Auto Advisor concierge service will help you find the right new or used car, arrange a price below book value, then accompany you to the dealership. They'll even handle the paperwork! 

Apply Now

or Call 800-527-1017


And, with rates as low as 1.24 % APR you know you're getting a great deal!


Term APR as low as Est. Payment

24 months 1.24 % Calculate

36 months 1.365 % Calculate

48 months 1.49 % Calculate

60 months 1.99 % Calculate

72 months 2.115 % Calculate

Rates effective as of 8/23/2017.


Calculate Your Payments


*For illustrative purposes only. Actual APR based on term, creditworthiness and loan to value. Credit Union membership required. Other conditions may apply.

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


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

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

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.

We'll Help You Shop


Apply Now

or Call 800-527-1017

Auto Loan Application Process

  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.

  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, arrange a price that's below book value, then accompany you to the dealership. They'll even help with the paperwork!

    Members who use the service save hundreds (sometimes thousands) of dollars by ensuring a great car price, but also by knowing the facts about the dealer "add-ons".

  4. Complete your loan documents

    Once the deal is finalized, the Auto Advisor will handle the paperwork and assist you with finding insurance options. It's truly hassle-free car shopping!

Apply Now

or Call 800-527-1017

New and Used Auto Loan Disclosure: 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. Actual rate will be determined based on credit history, term, loan to value, and other factors. Stated rate assumes term of 24 months. Stated rate includes a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account.

Auto Refinance Disclosure: Not available for existing Central One auto loans. Stated rate assumes term of 24 months. 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.