Auto Loans

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Auto Loan Rates as Low as 2.99% APR

Auto Loan Rates as Low as 2.99% APR

Start your pre-approval today1.
Start your pre-approval today1.
Apply Now

Where are you in the car-buying journey?

Auto Loan Rates

See All Rates

Auto Loan

Rate as low as 2.99% APR1

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First-Time Auto Loan

Rate as low as 12.99% APR1

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The Purchase Process Made Easy


Start Shopping

Browse CommunityAmerica’s preferred dealers and check local inventory.
Start Your Search

Choose Your Ride

Now for the fun part: pick out the new vehicle that’s right for you!
Find Your Match

Roll Out

Bring your pre-approval to the dealership to make financing quick and easy.
Apply Now

Applying Only Takes a Few Minutes

Get Started
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Your One Stop Shop

See all of your options with AutoSMART.

Ready to get the wheels rolling? The AutoSMART website is here to make your car-purchasing process easier before even setting foot on the lot. Use it to help you find your next vehicle by:

  • Browsing local dealer inventory to check availability in your area
  • Building your dream ride with your must-have specs and upgrades
  • Determining your current vehicle’s trade-in value
  • Shopping by payment amount or purchase price
  • Researching everything from safety features, specs and engine details, to trims, colors and more
Start Shopping


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Car Payment

Estimate your potential new monthly car payment.
Calculate Now
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Find out if you could lower your auto loan payment.
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 Car Affordability

See how much you could afford to spend on a new car.
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All Calculators

Check out all of our auto calculators.
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Refinance Your Ride

See if you could save on your monthly payment.

Love your car, but want to trade in your interest rate? If your loan is with another financial institution, consider refinancing at CommunityAmerica. We may be able to get you a better rate, lower your payment and bulk up your potential share of our Profit Payout2.
Refinance Now

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New Behind the Wheel?

We’ve got your back.

We want that first car purchase excitement to last much longer than that fresh new car scent. Which is why we’re here to help first-time buyers have a hassle-free financing experience, and get a great rate, too. Here are the details:

  • Must be 18 years or older
  • $2,500 minimum and a $15,000 maximum loan amount
  • Will need to provide proof of income
  • Must have no credit or limited credit experience with no derogatory history
  • No co-signer required
Apply Now

Make Sure Your Car’s Covered

Young woman in love with her new car and giving it a big hug.

Auto Insurance

Protect your ride.

The CommunityAmerica Insurance Agency can help you find the right auto insurance3. Whether you’re looking for liability or full coverage, our knowledgeable agents will work with you to find the best policy at a reasonable price.
Learn More

Hear From Our Members

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Profit Payout

We share our profit with our members.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout2. This year we gave back a record-breaking $9 million to our members. It’s all part of how we make the unbelievable happen.
Estimate Your Payout

Auto Loan FAQs

Member Favorites

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Cashback Free Checking

Earn 1% cash back on the first $500 of monthly purchases4.
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High Interest Savings

Grow your money faster at a rate of up to 4.00% APY5 on balances up to $1,500.

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Our team of friendly local mortgage experts can help you get into your dream home.
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