New, Used or Refinance...Look to Cinfed for auto loan rates as low as 3.99% APR. Apply online at www.cinfed.org or call our 24-hour loan line at 1-888-822-1987. Let Cinfed put the fun back into driving with a low-rate loan, to put more cash in your pocket for those sunny days ahead.
Lower your rate even more using Points Your Way member rewards!
* Refinancing available for loans with lender other than Cinfed Credit Union. No application fee. Annual Percentage Rate is based on credit history and term of loan.
Dealer financing vs. credit union: which is better?
On the surface, 0% financing may seem like a good deal. And in some cases, this may be true. On the other hand, 0% financing with the dealer is not always the best route.
Facts you need to know:
• Not everyone qualifies for low-rate financing. You generally must have near-perfect credit to receive the best rate.
• If you qualify for incentives, you have to choose between 0% financing or factory cash-back offers.
• Monthly payments on low-rate loans may be higher than traditional financing. In many cases, financing deals are short-term; usually 24-36 months.
Take a look at the example below:
| Cinfed Financing |
0% Financing |
| Price for car
Factory Cash Back Rebates*
Amount Financed
Monthly Payment
3.99% APR** for 60 Months
Financing cost
Total Cost of Car
|
$18,000
$2,500
$15,500
$285.38
$1622.80
$17,122.80
|
$18,000
$0
$18,000
$500.00
0% APR for 36 Months
$0
$18,000
|
Please call 513-333-3800 to discuss the benefits of financing (or refinancing) your new or used car at Cinfed Credit Union.
* Example based on dealer’s cash back incentives, not cash back offered by Cinfed Credit Union.
**Actual rate may vary upon review of credit history.
Apply Today
Apply for financing at Cinfed before you shop by going online or calling 1-888-822-1987, 24 hours a day, 7 days a week for instant approval. With preapproval, you’ll know what payments to expect when you find the perfect car, and you can negotiate a "cash price" and take advantage of the manufacturer's rebates.
APR may vary based on credit history and term of loan.
