Vehicle 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.

“I was in and out of the dealership in 30 minutes. Very flexible program, helped make the buying process a cinch!”
– Bryan W., Midlothian

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.



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
(2016-Newer models)
1.99%* – 15.34% 84 months
(7 years)
Used Vehicle
(2011 – 2015 models)
2.99%* – 16.59% 84 months
(7 years)
Small Recreational Vehicles
(Motorcycles, Boats, Jetskis, etc)
 4.25%-18.00%  72 months
(6 years)
Larger Recreational Vehicles
(RVs/Campers, value over $75,000)
 7.50%-9.75% 144 months
(12 years)

Apply Today

*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.

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 partnership with CUNA Mutual Group, Call Federal offers its members valuable 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.

Guaranteed Asset Protection (GAP) Plus

A wrecked vehicle can really wreck your finances if you owe more on your loan than your insurance company will pay for your totaled vehicle. With Call Federal’s Guaranteed Asset Protection (GAP) Plus program, we help you cover that difference, sparing you from a potentially large financial burden when you’re already dealing with the loss of a vehicle. The “Plus” part of this offer comes in the form of up to $1000 to put towards a replacement vehicle when you finance with us*. We cover loan terms up to 84 months, loan-to-value (LTV) up to 130%; all for the low, one-time cost of $599!

GAP Plus Brochure

* Some restrictions apply. Ask your loan consultant for complete details.

GAP Plus has a small price tag, but invaluable benefits should you face a coverage gap on a totaled vehicle.a graph showing the difference between loan balance and insurance settlements over the life of a vehicle

TruStage Auto Insurance

When was the last time you compared auto insurance rates? If it’s been awhile, you owe it to yourself to get a quote from TruStage! They work closely with select insurance partners to offer Call Federal members discounted rates to fit a variety of coverage needs.

Extended Warranty (Mechanical Repair Coverage)

You depend on your car to get you where you need to go. Doesn’t it always seem like unexpected repairs crop up right after the manufacturer’s warranty expires? With Mechanical Repair Coverage (MRC), you’ll gain extended coverage, limit the burden of costly breakdowns and get back on the road.

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.