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
(2019-Newer models)
5.49%* – 17.24% 84 months
(7 years)
Used Vehicle(2014 – 2018 models) 5.74%* – 17.74% 84 months
(7 years)
Leisure Vehicles
(Motorcycles, ATVs, excluding boats)
6.24%-15.75% 84 months (7 years)
Leisure Vehicles (Boats) 7.24%-16.75% 84 months
(7 years)
Recreational Vehicles
(Motorhomes & Campers, up to $100,000)
6.74%-12.75% 120 months
(10 years)

*APR = Annual Percentage Rate. APR listed assumes 2019 or newer vehicle with a 36-month term, 115% loan-to-value (LTV), top-tier credit, and maximum rate discount of .75% with Call’s Rate Discount Program. All discounts are only available at the time the loan is processed. Current vehicle loan rates range from 5.49% – 17.74% APR. Rates subject to change but will not exceed 18.00%. Not all will qualify for the lowest rate. Vehicle must be a 2013 or newer. Refinance offer not valid on existing Call Federal loans. Income and insurance verification required. Other restrictions and conditions may apply. Payment example: Estimated monthly payment of $562.50 for a loan of $30,000 at 4.74% APR for a loan term of 60 months.  **Loan will still accrue interest with no payments for 60 days.

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.