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Auto Loans in Michigan

What Drives You?

Our rates are some of the lowest in the state. Whether you’re purchasing brand new or looking to buy out a lease, we have options.

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Love your Car, But Not the Payment?

Buy out your lease with financing from CFCU.

Auto Loans '20 – '24

Rates valid for New & Used Autos (Model years 2020-2024)

Term APR*
12 – 60 months 5.99%
61 – 75 months | $15,000 & over 6.24%
76 – 84 months | $30,000 & over 6.99%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $20,000 at 60 months with an interest rate of 5.99% APR, the payment will be $387. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.

Auto Loans '14 – '19

Rates valid for Used Autos (Model years 2014 – 2019)

Term APR*
12 – 60 months 6.24%
61 – 75 months | $15,000 & over 6.49%
76 – 84 months | $30,000 & over 7.24%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $20,000 at 60 months with an interest rate of 6.24% APR, the payment will be $388.89. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.

Auto Rates – up to '13

Rates valid for Used Autos (Model years 2013 and older)

Term APR*
12 – 60 months 9.24%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $20,000 at 60 months with an interest rate of 6.24% APR, the payment will be $388.89. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.

Explore your affordable vehicle options

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Calculator results are estimates based on information you provide and Christian Financial does not guarantee your ability to receive these terms. Contact us for full terms and conditions.
CFCU Loans Featured Convenience Highlight

Crush Your Credit

Credit Coach helps you monitor your score, simulate changes, and even improve or maintain your credit score, all from Digital Banking.

Auto Loan Related Products

Mechanical Repair Coverage

Mechanical Repair Coverage may help limit the cost of covered repairs – and protect your finances.

GAP Plus with Deductible Assistance

Don’t let a total loss become a financial loss, learn more about GAP Plus with Deductible Assistance.

TruStage Auto Insurance

Your credit union membership could result in some nice savings with our partner TruStage. They offer discounted rates exclusively for credit union members, with online services, and 24/7 claims service. Get your free quote today or call 1-855-483-2149.

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Apply for an Auto Loan

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*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. For example, for a loan of $30,000 at 6.24% APR for a 72 month term would have a payment of $501.30. Members refinancing existing Christian Financial loans are subject to a higher rate of interest. Please contact us for full details.