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
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:
Auto Loan Calculator
Estimate your monthly car payment.
GAP Insurance Available
Save on dealer pricing with GAP insurance.
Two skip-a-pays every year
Skip a loan payment at your convenience.
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.
*Your rate will be fixed. Certain terms, conditions, and / or discounts may apply. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to credit approval and some restrictions may apply, including qualifying for a discounted rate. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. New or used purchase loans do not qualify. Approval subject to complete underwriting criteria. Subject to mileage and vehicle age limitations. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. The minimum approved loan amount is $500.00.View rates page to view all disclosure & rates.Offer subject to change or cancellation without notice. CRCU Membership required. Contact us for details.
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?
Yes.
Can I purchase an extended warranty thru the dealer?
Yes.