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.
For each vehicle loan booked in June, Call Federal will donate $25 to the Children’s Hospital of Richmond at VCU, benefiting the life-saving work they do for kids throughout our region.
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. Last year, Call Federal members saved an average of $85* a month by refinancing. You could save too! Our car loan specialists are eager to help you assess your specific situation.
*Monthly reduction based on average of refinancing loans with interest/payment savings compared to prior monthly payments. Reductions can be a result of a lower interest rate, a longer term, or both. Savings may vary.
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
|1.99%* – 14.84%||84 months
(2012 – 2016 models)
|2.99%* – 16.09%||84 months
|Small Recreational Vehicles
(Motorcycles, Boats, Jetskis, etc)
|3.99%-17.00%|| 72 months
|Larger Recreational Vehicles
(RVs/Campers, value over $75,000)
*The best vehicle loan APR listed assumes 36-month term, 115% loan-to-value and top-tier credit as well as a 0.50% discount for members who set-up Auto Transfer payment from a Call Federal checking account. This discount is only available at the time the loan is processed. If the member receives this discounted rate, but discontinues the Auto-Transfer, the loan rate will automatically be adjusted accordingly.
APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Credit Union membership required. Certain conditions and restrictions may apply. Contact a loan representative for a vehicle loan tailored to your needs and qualifications.
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.
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 partnership 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.