Auto Loans

Whether you’re looking for a new or used credit union auto loan, you can’t do better for rates and convenience than Central Willamette!

We have even developed relationships with dealers for our members where they can always expect the best price and great Central Willamette financing – the best of both worlds!

Start with Our Auto Loan Calculator

Our Auto Loan Calculator is a great place to start your purchasing journey. It will help you learn how much car you want to buy and how long you want to pay.

New Car Loan

We’ll finance up to 100% of the cash sale price, or 110% of MSRP at a fixed rate* for up to 84 months.

Used Car Loan

For used cars, we will finance up to 100% of the cash price, or 110% of KBB retail at a great fixed rate* for up to 84 months.

Third-Party Car Loan

Even if you’re buying from a third party, we can get you behind the wheel with flexible financing and awesome rates.


We are pleased to offer CARFAX Vehicle History Reports at a discounted rate to our members. Please click here to learn more.

It’s Easy To Apply

We want to make it as easy and convenient as we can to get you on the road in your new car. That’s why we have a variety of ways for you to apply for your car loan.

You can apply online.

You can come in to any of our branch locations.

You can call or text us.

Frequently Asked Questions

A: Yes! It's best to secure your loan prior to car shopping so you'll know how much you are pre-approved for and can spend. We offer very competitive loan rates that can potentially save you money. Apply online now or contact us for more information on loan rates and apply today.
A: Yes, Central Willamette Credit Union offers auto loan refinances that could likely save you money with a lower rate and/or lower payments. Apply online today.
A: Central Willamette requires you to maintain full coverage insurance on your vehicle while it is financed. Your comprehensive and collision deductibles may not exceed $1,000.00.
A: No, there is not an early payoff penalty on auto loans.
A: Guaranteed Asset Protection (GAP) is a valuable product that pays the difference between the actual cash value (ACV) of your vehicle and the outstanding loan balance in the event of a total loss. Your insurance deductible is also covered by GAP, as your insurance company pays ACV less the amount of your deductible, therefore the "gap" is increased by this amount. For loans that have GAP Advantage there is a benefit, in addition to that listed above, that provides a $1,000 benefit toward the financing of a replacement vehicle. In order to utilize the GAP Advantage benefit, the following conditions must be met: There must be a total loss to your vehicle, the replacement vehicle must be financed with Central Willamette within 90 days of the date of your primary insurance settlement, and the claim for the GAP Advantage must be filed within 95 days of the date of your primary insurance settlement. If you would like to purchase GAP or need additional information, please contact us.

Get Started Today

Don’t forget you can also get pre-approval for your car loan, even if you haven’t decided on the car you want to buy. That makes negotiating with the dealer easier as well!

Choose one of these options to get started:

Apply OnlineVisit a BranchContact Us