Vehicle Loans

The Internet has completely changed the game when it comes to shopping for a car, so why is actually buying one still a hassle? The awkward conversation with a salesman, the forever-long wait for the finance manager? There ought to be a better way! Well, now there is…

Introducing Check-In-Hand auto loans from Call Federal, the quick, easy, convenient way to buy a new vehicle. Apply online, by phone, or in person at one of our six branch locations and receive a check for the amount you qualify for and take it to the dealer of your choice.  And if you plan on shopping today, Call Federal can have your loan check delivered to your home or workplace.  Shop & buy with the confidence of a cash buyer, knowing you’ve got your financing all lined up. Go from Check-In-Hand to keys in hand!
“I was in and out of the dealership in 30 minutes. Very flexible program, helped make the buying process a cinch!”
– Bryan W., Midlothian

Favorable Rates, Great Service

Credit unions are known for having great rates on car loans and Call Federal is no different. More importantly, our members enjoy the superior service and personal commitment of our dedicated staff.



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. Maybe 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.

Auto Loan Calculators

How much car can I afford? Should I lease or purchase? Does it make sense to refinance or look for a rebate? Use these calculators to give you some estimates based on your situation, then contact our dedicated lending team to take the next step!

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


Vehicle Loans –  At A Glance

Rates/APR Maximum Loan Term  How To Apply
New or Newer Used Vehicle
(2014-2018 models)
2.74%* – 17.99% 84 months
(7 years)
Used Vehicle
(2009 – 2013 models)
3.74%* – 17.99% 84 months
(7 years)
Small Recreational Vehicles
(Motorcycles, Boats, Jetskis, etc)
 5.25%-18.00%  72 months
(6 years)
Larger Recreational Vehicles
(RVs/Campers, value over $75,000)
 7.50%-9.75% 144 months
(12 years)
*The best vehicle loan APR listed assumes 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.

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

Ways to Apply

Online Icon

Apply Online

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

Branch Icon

Visit a Branch

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

Phone Icon

Call Us

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