Fuel the Fun Ahead

Get a Lower Loan Rate for Summer

Finance or refinance your car, boat, or RV with CCCU and free up more in your budget for road trips, lake days, and cabin getaways.

Drive What You Love. Pay What Makes Sense.

New, used, or refinanced — get a rate that works for your budget, not the dealership's.

With a CCCU auto loan, you can:

Lower your payment by refinancing
Skip your first 90 days of payments
Choose flexible terms that fit your timeline
Shop confidently with a pre‑approval

For the Toys That Make Summer Fun

Boat, RV, camper — big purchases are easier when your rate is low and your lender is on your side.

Use a CCCU recreational loan to:

Buy from a dealer or a private seller — we finance both
Get advice from someone who isn't on commission
Finance a new purchase or refinance what you already own
Get pre-approved before you shop

Know Your Numbers Before You Shop

Three free resources to help you prepare.

AUTO LOAN CALCULATOR

Estimate a payment for a new, used, or refinanced auto loan.

CALCULATE AUTO PAYMENT

RECREATIONAL LOAN CALCULATOR

See what your RV, boat, or ATV payment could look like.

CALCULATE REC PAYMENT

FREE AUTO LOAN GUIDE

Tips on budgeting, negotiating, and avoiding common dealership traps.

GET AUTO LOAN GUIDE

Your First Stop Before the Dealership

Most buyers don't realize their first call should be to their credit union, not the sales floor.

Get pre-approved with CCCU first and walk into any dealership knowing exactly what rate you qualify for — no pressure, no surprises.

COMPARE RATES

Frequently Asked Questions

CAN I REFINANCE A LOAN THAT I ALREADY HAVE SOMEWHERE ELSE?

Yes. You can move an auto or recreational loan from a dealer, bank, or another credit union to CCCU. We’ll help you see if a lower rate or different term could bring your monthly payment down.

DO I NEED TO PICK A VEHICLE BEFORE I APPLY?

No. You can apply for pre‑approval first, then shop knowing what price range and payment make sense for your budget.

CAN I BUY FROM A PRIVATE SELLER, OR DOES IT HAVE TO BE A DEALER?

You can do either. CCCU finances purchases from both dealers and private sellers, and we’ll walk you through what we need in each case.

WHAT IF MY BUDGET CHANGES AFTER I GET THE LOAN?

If life shifts — like a job change or unexpected expense — talk with us. We can review options, and some members choose protections like GAP Plus or Debt Protection to help if something big happens.