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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 0.99% APR you know you're getting a great deal!


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.

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 $20,000.00or more will have a surcharge added to the loan.