Skip to content
Community Choice/Borrow/Auto Loans

AUTO LOANS

Finance a new car without the hassle

Our streamlined online application makes getting pre-approved fast and simple. Find your car, then finance it with ease.

Apply in e-Banking
Not a member? Join + apply

Why work with Community Choice for your auto loan?

We make it quick, easy, and personal. We can finance your new car or refinance your loan for a payment that is tailored to your budget.

Skip-a-Payment

Eligible members can Skip-a-Payment twice per year with just a few clicks in e-Banking.

Mechanical repair coverage

Unexpected breakdown? We’ve got you covered.

Coverage that expects the unexpected

We get it. Life happens. Talk to us about payment protection.

No payments for 90 days

Don’t stress about those first payments. You have some wiggle room.

Easily manage your loan

Enjoy access to e-Banking and multiple, convenient ways to make your loan payments

Guaranteed asset protection (GAP)

Protection if your vehicle is totaled or stolen and your loan balance exceeds the amount that your insurance pays you. Enhanced with deductible reimbursement when it’s not a total loss.

How it works

Apply in e-Banking
Not a member? Join + apply

1. Apply and get pre-approved

Members can browse personalized special offers or apply from scratch within e-Banking. If you’re not a member, you can use our easy online application or visit any member center.

2. Find the car you’d like to buy

Do your research and find the ride that suits your needs (and dreams). Our team can help you check the value on the vehicle before you purchase so you can buy with peace of mind.

3. Confirm the details

Keep a poker face and make your best offer to the dealer. Once you agree on the price, send us the purchase agreement. We’ll take it from there.

4. We’ll help you finalize

Once our team finalizes everything with your purchase agreement, you’ll e-sign your loan documents and hit the road.

Hear from happy members

  • “Great CU! Courteous, professional, informative and a great place for checking, savings, and an auto loan if needed. Wouldn’t go anywhere else since starting my relationship with Community Choice! As always, thank you for great service!” Michelle K.
  • “I should have joined Community Choice Credit Union a long time ago!! Everyone there is so friendly and professional. Keep up the good work.” Sylvia T.
  • “We have been with the credit union for a long time, we have consistently received wonderful customer service and help when needed. We tell everyone about our wonderful credit union and recommend it often. Your staff is very pleasant and easy to work with. I appreciate knowing I can come in and get the help I need. Thank you for being there for us.” Thomas R.
  • “Absolutely wonderful service! The people I’ve spoken to are reliable, understanding, positive and helpful! They have solved everything I’ve had questions about in the kindest way! Thank you!” Ariel M.
  • “I have been with Community Choice for 35 years I would recommend anyone and everyone to be able to experience my appreciation and good quality service from these great people. Again, thank you for your service.” Patricia S.

Auto Loan FAQs

Your auto loan questions answered. See all frequently asked questions.

See all frequently asked questions

Financial Calculators

Auto loan resources

Submit a mechanical repair claim

Have a mechanical repair claim? You can fill out the form online or call 800.752.6265.

Submit a Payment Protection claim

If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

Submit Insurance Documents

If your loan is with Community Choice, be sure to upload copies of your new insurance policy here.

Buying a used car checklist

The ultimate checklist to ensure you get the best car for your buck and the purchase is as simple as possible.

What can you afford?

Don’t let hidden costs surprise you. These are key factors in knowing your car budget.

Guaranteed asset protection

Members are protected if their vehicle is totaled or stolen and their loan amount exceeds the vehicle value. The protection pays for the shortage.

Mechanical repair coverage

Be prepared for any breakdown. Lock in a low monthly rate for the term of your plan and enjoy convenient coverage with no long-term contract and your choice of repair shop.

Life, disability, unemployment

Unexpected life events can throw a wrench on your finances. We understand and offer debt protection.

Related to Auto Loans

Personal Loans

Credit Cards

Personal Savings

Woman using laptop

Easy ways to pay your loan

Pay your loan how it works best for you—online, in the app, by phone, or in person. Quick and simple!.

Explore loan payment options

Building better community, one member at a time

We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.

Become a member

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers in Michigan and 30K+ fee-free ATMs nationwide