![couple smiling in car](/assets/files/FqPRQwNj/ManSmilinginCar1330x400.png)
![couple smiling in car](/assets/files/FqPRQwNj/ManSmilinginCar1330x400.png)
Use the Equity in Your Assets
Need some cash, but don’t want an additional loan payment, why not use the equity of your vehicle loan that is financed at CRCU.
- Competitive interest rates
- Discounts available
- No early payoff penalties
- Flexible due dates to fit your schedule
- No hidden fees
![couple in car smiling](/assets/files/sbmkJhXH/ManDrivingwithhisWife470x4445.png)
Benefits/Good to Know
Some Good to Knows
- A minimum of $500 is required to refinance a CRCU loan
- A valid driver license is required
- Insurance must include deductibles not to exceed $1,005
- The credit union does not finance vehicles with the following title conditions: salvaged, reconditioned, branded and/or titles with odometer discrepancies
- Original signatures are required on the title applications and Power of Attorneys for title work if there are any changes to the title
- Registration must be current and cannot expire in the next 60 days
- Visual inspection on collateral may be required
- Complete an application and electronically sign the document using a secure and intuitive online process. Please be aware that this process may verify your identity by asking a series of random "out-of-wallet" questions, which may be created from public record and credit databases.
What's all Available
- Credit Life/Disability Insurance is available for your vehicle loan
- GAP Insurance is available for $495. This helps pay off your remaining loan balance if your auto is stolen or damaged and is deemed to be a total loss.
- Extended warranty protection is available
Before you apply, be sure to gather the following:
- Employment information (including employer name and contact information)
- Proof of income (pay check stub or W2)
- Information about the vehicle (make, model, year, mileage, and VIN) or collateral
Tools to buy or refinance your ride:
![Small calculator icon](/assets/files/yGBZoGWD/CalculatorSmall.png)
Auto Loan Calculator
Estimate your monthly car payment.
![Small GAP Insurance Icon](/assets/files/bPrS23Ac/GapInsuranceSmall.png)
GAP Insurance Available
Save on dealer pricing with GAP insurance.
![Small SkipAPay Icon](/assets/files/wS7IWmdn/SkipaPaySmall.png)
Two skip-a-pays every year
Skip a loan payment at your convenience.
![car icon](/assets/content/CFapudRN/AutoIcon120x120.png)
Auto Loan
Rates
Browse all current auto loan rates.
The Process
Need Assistance?
For personal help with your loan application, drop by your neighborhood CRCU branch or give us a call at (800) 238-3228.
FAQs
Are there any fees associated with this type of loan?
No hidden fees.
I only have a state issued ID, can I still get a title loan?
A valid state issued driver’s license is required.
Can I get a loan when I only have an out of state driver’s license?
Non expired out of state driver’s licenses are acceptable.
Does the vehicle need to be working to get a loan?
Yes, vehicle needs to be in driving condition. Visual inspection maybe required.
What if the title says salvaged or reconditioned?
A salvage or reconditioned title will not be accepted.
Can I add on to my vehicle loan to purchase extended warranty?
Can I purchase an extended warranty thru the dealer?
Yes.