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Buy or refinance your vehicle

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Save money and upgrade your auto this fall! Take advantage of our low rates and enjoy no payments for 90 days when you purchase a new vehicle or refinance your current auto loan from a different financial institution.

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Financing Your Vehicle

Take advantage of end-of-year savings and roll into 2020 in your dream vehicle! We offer a variety of financing options for new and used vehicles. Take advantage of our rates as low as 3.4%** and 90 days no payments, now through December 31, 2019.

Apply for an auto loan

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Looking to refinance?

If you have an auto loan from a different financial institution, let’s talk about refinancing*. Refinance with Clearwater and enjoy rates as low as 3.4%**, 90 days with no payments, and no origination fee***.

Contact us about refinancing

*Refinance your vehicle loan from a different financial institution.
**APR = Annual Percentage Rate. All loans subject to credit approval, rate based on credit. Other rates and terms are available.
***Lien filing, title search, and third party fees apply.

Auto (New and Used)1
Auto (New and Used)1

Term

APR as low as2

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.

Payment example: new auto loan of $12,000 for 60 months at 3.40% APR will have a monthly payment of $217.79.

The rates and terms shown are effective as of August 21, 2019.

Term

36 months

APR as low as2

3.40%

Term

48 months

APR as low as2

3.40%

Term

60 months

APR as low as2

3.40%

Apply for a loan

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Get Started
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Ask a Question

FAQ

Our Financial Service Officers can help you figure that out. They will review your income and monthly expenses to pre-approve you, which is a free, no-obligation courtesy.

Contact us to get started

When financing an auto loan, our credit union will hold the title of the vehicle as collateral until the loan is paid in full. Loans for new cars usually have a term of three to seven years, while for used cars, it’s usually two to four years.

Dealerships sometimes offer low loan or lease rates on certain models. These are usually promotions underwritten by the manufacturer in order to boost the sale of that model. Sometimes you have to meet conditions in order to qualify; for example, you may need to:

  • Make a larger down-payment
  • Agree to a shorter term of loan
  • Meet a higher credit rating
  • Pay an extra fee to participate

If this option makes sense for you, great! But if you don’t qualify for a promotional rate, or if you want to obtain financing from Clearwater Credit Union for any other reason, just ask your dealer. In many cases, you can apply for a loan with us right from the dealership.

If you’re purchasing a used vehicle from a private party, we encourage you to do due diligence:

  • Research the value of the vehicle from independent resources, like NADA or Carfax.
  • Get a pre-purchase inspection from a mechanic you trust to identify any issues and prepare you to negotiate more effectively.
  • Gather info on the insurance and maintenance costs you’ll be facing, and budget for them appropriately.

Find out about insurance discounts from TruStage