New & Used Car Loan Rates

Today’s Choice One Auto Loan Rates: New, Used, and Refinance

Rates move. Your payment doesn’t have to surprise you. Use the sections below to compare current Choice One auto loan rates for:

• New vehicle purchases
• Used vehicle purchases
• Auto loan refinancing (if you’re looking to lower your payment or rate)

You’ll also see a separate tier for older vehicles (2017 or older), so you can quickly find the option that matches what you’re shopping for.

Apply today & make no payments for 90 days*

If you’re buying now but would rather keep cash on hand for tags, insurance, or other upfront costs, our 90-day no payment* option can help you ease into your new loan.

What to watch for in the rate tables

A few quick notes to help you compare apples to apples:

• Terms vary by vehicle type: New car terms go up to 84 months, while used car terms go up to 78 months (with a separate tier for older vehicles).
• 110% financing may be available: Helpful if you’re rolling in certain costs beyond the purchase price.
• Auto Pay discount is baked in: The lowest advertised rates shown include a .25% Auto Pay discount when payments are automatically deducted from a Choice One share or share draft account.

Shopping today? Pre-approval makes it easier

If you haven’t started the buying process yet, consider getting pre-approved before you head to the dealership. It’s one of the simplest ways to shop with confidence because you’ll know your numbers up front. When you’re ready, click Apply Online to get started. Prefer help? Contact us, and we’ll walk through your options.

*APR=Annual Percentage Rate. Rates shown are for qualified borrowers and are subject to change without notice. Rates shown include a .25% discount for auto deduct from a Choice One share or share draft account. Contact your credit union loan officer for complete details and current rates. Finance charges will accrue during the auto loan 90 day no payment option.