Your Road Trip Starts Here

5-Year Rates As Low As 4.84%APR¹ Plus 60 Days, No Payments!²

Your next great adventure starts with a reliable car, backed by smart credit union auto financing. Whether you’re applying for a new car loan, a used vehicle loan, or auto loan refinance, we’re your best call!

Additional Benefits

Flexible auto loan refinance options, including Free Skip-A-Pay.³
Free CarFax & TrueCar Reports with every new & used auto loan.⁴
Discounted Auto Insurance & Warranty programs.
Every credit union car loan supports the Children’s Hospital of Richmond at VCU.^⁵

Apply Today

New & Used Car Loans + Auto Refinance

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Car Loan & Auto Refinancing Success Stories

Between Amanda and Jamar, they were outstanding! They made the process of achieving a car loan so easy and super simple! Not only that, they paid attention to every single detail and explained every bit of information that was needed. They made it a very quick process! I’ll support them anytime and send anyone their way. Thanks to the Call Federal team!-

Will D.

Need A Little More Information?

Credit union car loans often feature lower rates, flexible repayment terms, and personalized service. At Call Federal, we offer vehicle loan refinance, used car loans, and new auto financing tailored to you.

Yes! Our car loan refinance options are designed to help you lower your monthly payment or interest rate—saving money over time.

If you’re looking to refinance your auto loan, apply for a used car loan, or explore credit union car financing options,
Call Federal’s team of auto lending experts is ready to help you hit the road with confidence—and savings.

Apply Today

Disclosures

¹APR = Annual Percentage Rate. APR listed assumes the following; top tier credit with maximum discount of .75% (through CFCU’s Rate Discount Program), for a 2021 or newer model year, loan term of 60 months, and 115% maximum loan to value (LTV). Not all who apply will qualify for credit. Those who qualify for credit, may not qualify for the lowest rate or maximum LTV. Vehicle loan rates range from 4.84%-15.84%. Rate is subject to change. Vehicle must be a 2016 or newer model to be priced as vehicle loan. Not all collateral may be acceptable. Invitation to apply not valid to refinance an existing CFCU loan. Membership is not required to apply. Verification of income and auto insurance is required. Other conditions may apply. Payment example for $30,000 loan at 4.84% APR for 60 months is $566, assuming all discounts applied. ²First payment delay up to 60 days. Loan will continue to accrue interest from date funded. ³Skip-A-Pay offer available for first skip payment within 18 months of loan origination. Offer does not apply to additional Skip-A-Pay requests. Loan will continue to accrue interest during the period when a payment is skipped. Deferring loan payment will extend the term of the loan. ⁴Access to Carfax Vehicle History report is subject to Carfax consumer terms of use. Call Federal offers three free reports with application. Reports are intended for personal use only. Call Federal is not liable for accuracy of these reports. Carfax is a registered trademark of Carfax, Inc. ⁵Donation based on car loans funded from April 14 thru July 31, 2025, with maximum total donation of $9,000. Call Federal is an Equal Opportunity Lender. All loans are subject to applicable state and federal regulations, including the Truth in Lending Act.