Auto Loans
Auto Loan Rates as Low as 6.94%
Auto Loan Rates as Low as 6.94%
Where are you in the car-buying journey?
The Purchase Process Made Easy
Start Shopping
Choose Your Ride
Applying Only Takes a Few Minutes
Get Started
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
Calculators
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 Payout*.
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 $20,000 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
Make Sure Your Car’s Covered
Auto Insurance
Protect your ride.
Gap Insurance
Be prepared for the unexpected.
Vehicle Service Contract
Cover your repair costs.
Hear From Our Members
Better Rates, Better Service
So glad I switched to CommunityAmerica Credit Union. Best move I ever made. Better rates, better service, just a great place to do business.
One of the Nicest Banks I've Ever Been To
This is one of the nicest banks I have ever been to. The people are so nice. The inside is like a coffee shop and such a different atmosphere than normal. Even with an ATM transaction, you see a real person on screen. It's just such a nice refreshing experience as compared to normal banks. It just makes you feel like they care instead of just another number.
Great Customer Service!
Lynne made it very easy to submit my insurance declaration for my new vehicle loan! Great customer service!
Profit Payout*
Investing in YOU by sharing our profits.
As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like competitive rates, low fees, and our annual Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $100 million to members over the past 13 years.
Auto Loan FAQs
Vehicle Loan Offer. Rates and offers current as of 4/1/2025 and are subject to change. The cash back offer will equal $150. Minimum loan amount required to be eligible is $5,000. Valid on new vehicle purchase and external refinance applications starting from 4/1/2025-6/1/2025. Existing CommunityAmerica Credit Union Vehicle loan refinances and cash out loans are not eligible for this promotion. All loans and rates are subject to credit and underwriting guidelines and approval. The loan’s first scheduled payment must be made to be eligible for the cash back bonus. The bonus will be deposited to the member’s membership share savings account within 60 days after the first scheduled payment is made. If at any point your loan is past due more than 30 days, you will forfeit your eligibility from this offer. CommunityAmerica may discontinue or change the promotion at any time. Other restrictions may apply. APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Refinancing your loan with CommunityAmerica Credit Union does not guarantee lower interest rates or monthly payments. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. For used vehicles, maximum used car loan advance will be determined by CommunityAmerica using a JD Power value. Refinance Loan Payment Example: $20,000 at 5.49 % APR; 60 monthly payments of approximately $381.93. Programs, offers, rates, terms and conditions are subject to change and expiration without notice and vary based on creditworthiness, qualifications, collateral, and loan terms. This is a limited time offer. The credit may be reported as income on IRS Form 1099-MISC. To qualify for this offer, you must meet CommunityAmerica Credit Union membership eligibility requirements and live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri. May not be used with any other offer.