New or Used Auto Loans

Credit unions are known for having great rates on car loans and Call Federal is no different. Whether you’re buying your first car, refinancing a vehicle you’ve had for awhile, or just getting started in the buying process, our dedicated staff is here to help you at every step along the way.

Quick, Easy, & Convenient

That’s what you can expect when you buy a car the Call Federal way. From our Check-In-Hand loans to our dedicated team of vehicle lending specialists, our Car Buying Program is designed to give you everything you need from the moment you start thinking about purchasing a vehicle until you drive off the lot in your new car.


Interest rates change. Credit improves. These are just a couple reasons that might lead one to refinance a vehicle loan. Our car loan specialists are eager to help you assess your specific situation.

Smart Shopping Tools

Our dedicated lending team is standing by to help you at any stage of your car-buying process, but we also offer these great tools to ensure that you get the right vehicle for you and your specific situation.

Buying your vehicle from a Private (non-dealer) Seller? Please complete and submit a copy of this vehicle bill of sale with your loan documents.

Vehicle Loans –  At A Glance

Rates/APR Maximum Loan Term
New or Newer Used Vehicle
(2018-Newer models)
2.99%* – 16.74% 84 months
(7 years)
Used Vehicle
(2013 – 2017 models)
3.99%* – 17.24% 84 months
(7 years)
Small Recreational Vehicles
(Motorcycles, Boats, Jetskis, etc)
 5.24%-17.75%  72 months
(6 years)
Larger Recreational Vehicles
(RVs/Campers, value over $75,000)
 7.50%-9.75% 144 months
(12 years)

*APR = Annual Percentage Rate. Best APR listed assumes 2018 or newer vehicle with a 36-month term, 115% loan-to-value (LTV), and top tier credit, as well as a max rate discount of .75%. Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Portal and providing the certificate of completion at loan application. Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically be adjusted accordingly. The two discounts for .50% cannot be combined. All of these discounts are only available at the time the loan is processed. Current vehicle loan rates range from 2.24% – 16.84% APR. Rates subject to change but will not exceed 18.00%. Rates, terms, and conditions may vary based on creditworthiness, qualifications, LTV, and collateral conditions. Vehicle must be a 2013 or newer. All collateral owners must sign required paperwork for refinancing. Mileage restrictions may apply. Income and employment verification required. Other restrictions and conditions may apply. Payment Example: Estimated monthly payment of $464 for a loan of $30,000 at 3.49% APR for a loan term of 72 months.


Finance Other Vehicles

We’re proud to offer our members the financing they need for motorcycles, boats and other watercraft, as well as larger recreational vehicles, including RVs and campers. Choose from the options below to get started.

Apply for a motorcycle loan

Apply for a boat loan

Apply for a recreational vehicle loan

Buying a leisure vehicle from a Private (non-dealer) Seller?

Please complete and submit a copy of this bill of sale with your loan documents.

Protect Your Investment

Through our agreement with CUNA Mutual Group, Call Federal offers its members valuable payment protection and insurance products with great rates that help protect them from life’s unexpected events. Ask your loan consultant if these products are right for you.

Ways to Apply

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Apply Online

Get in the car of your dreams with our quick online application.

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Visit a Branch

Our branch staff can help you apply and get a check in your hands.

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Call Us

Our loan specialists can help find a payment that works for you.