Auto Loans
Auto Loans | Purchase | Refinance | Auto Loan Calculator
Drive Your Dreams: Colorado Credit Union Auto Loan Rates as Low as 4.99% APR*
Elevating Finances. Empowering Communities. Banking with a Colorado Heart.
Looking for the best auto loan rates in Colorado? Whether you're buying your first car or refinancing your current ride, Colorado Credit Union is here to help you drive forward—with heart, purpose, and unbeatable rates. We make car buying simple, affordable, and community-focused. From Denver to Littleton and across the Front Range, our auto loan solutions are designed to elevate your finances and empower your journey.
Serving Colorado Communities.
From Denver to Brighton, we're proud to serve our neighbors across Colorado. Our local roots mean personalized solutions that fuel dreams and strengthen communities. Every loan supports local growth while helping you drive forward with confidence.
“Colorado Credit Union has the best rates when it comes to auto loans. I was given a great rate and awesome service. Jessica helped me every step of the way and made it fast, easy and convenient for me to finance my new truck!”
— Miguel M., CCU Member
Planning to Buy from a Dealership?
Start your journey with confidence by getting pre-qualified today. Our collaboration with local dealerships through the CUDC (CU Direct Connect) system streamlines the buying process for you. With a pre-approval letter in hand, you can visit dealerships confidently, avoiding multiple credit checks that might impact your credit score. Once you're pre-qualified with Colorado Credit Union, the dealership can take over, ensuring a smooth and hassle-free purchasing process.
As a member-owned credit union, our priority is to serve YOU. Our experienced Lending team is here to guide you through the entire loan process, offering personalized advice to find the best loan terms that fit your unique financial situation.
Auto Purchase Loans: New & Used Vehicle Financing in Colorado
Ready for your next car? At Colorado Credit Union, smart financing starts with heart. Our competitive auto loan rates help you save while supporting Colorado communities. Our lending team is here to guide you every step of the way—making your car-buying experience smooth, affordable, and empowering. Whether it's a new ride or a trusted used vehicle, we’re here to help you move forward with confidence.
Benefits of a Colorado Credit Union Car Loan:
-
Rates as low as 4.99% APR*
-
Competitive credit union auto loan rates lower than many banks
-
Flexible terms for both new and used cars
-
Finance up to 120% Loan-to-Value (LTV) when purchasing at dealerships or from private sellers
-
Easy online pre-qualification
Refinance Your Car Loan in Colorado: Lower Payments, Better Rate
Already have a car loan? Refinancing with Colorado Credit Union could help you save big. Lower your monthly payments, access cash-out options, and enjoy some of the best auto refinance rates in Colorado—all with a team that cares about your financial success.
Why Refinance Your Car Loan?
-
Lower monthly payments
-
Take advantage of improved credit & qualify for the best auto refinance deals
-
Adjust your loan term to fit your budget
-
Cash-out options available if you need access to equity
Auto Loan Calculator
Take advantage of our complimentary auto loan calculator to discover the perfect vehicle that fits your budget.
This calculator is for illustrative and educational purposes only, and not an offer of credit.
Frequently Asked Questions – Your Auto Loan Answers for Colorado Drivers
-
Why Choose Colorado Credit Union Auto Loans?
-
-
Competitive credit union auto loan rates in Colorado
-
Auto refinance options to lower your monthly payment
-
Best auto refinance deals in Colorado
-
Car refinance rates designed for savings
-
Easy pre-qualification for auto loans
-
Auto loan calculator to plan your budget
-
-
How do I get pre-qualified fast for an auto loan at Colorado Credit Union?
You can apply online to get pre-qualified in minutes. If approved, you'll receive a pre-approval letter to take to dealerships, helping you avoid multiple credit checks.
-
What is the current auto loan rate?
Rates start as low as 4.99% APR*, based on approved credit. Not all borrowers will qualify for the lowest rate.
-
Can I refinance my current auto loan with Colorado Credit Union?
Yes! Refinancing can help lower your monthly payments or allow you to cash out equity for other expenses.
-
What types of vehicles can I finance?
We finance new and used vehicles purchased from dealerships or in-state private sellers.
-
What does GAP insurance cover and why is it important for Colorado drivers?
GAP insurance covers the difference between your loan balance and the car’s value if it’s totaled or stolen. It’s a smart way to protect your investment.
-
How much can I borrow?
We offer up to 120% loan-to-value (LTV), which means you can borrow more than the vehicle’s purchase price to cover taxes, fees, or warranties.
-
Are there any payment deferral options?
Yes! You can enjoy 90 days with no payments† on qualifying auto loans. Interest begins accruing at loan disbursement.
-
What credit score do I need to qualify?
Loan approval and rates depend on your credit profile. Our Lending Specialists can help you understand your options.
-
How do I get the best auto loan rates in Colorado?
Start by applying online or visiting one of our branches in Denver, Littleton, or Brighton. We offer competitive rates and personalized service.
What Our Members are Saying:
“I am very happy with Colorado Credit Union; Jessica went above and beyond to help me with an auto loan and explained my options. Their rates beat all of the other banks. Thank you so much!” — Ursula C., CCU Member
“When all the other banks refused to give me a decent rate, I came here where Xochitl and Jessica were able to blow away the competition with an incredible rate for my car loan. Their customer service is the best, and they answered every question I had. Definitely would recommend coming here for your car loan.” — CCU Member
“Today I had an amazing experience I was greeted and help by Xochitl Delgado and Jessica Soto they were amazing and very knowledgeable. They were able to find the best loan for me and my plans and also was able to give me a refi on a current one, they went above and beyond for me that they take their time to offer all there amazing products beyond happy that they were able to help.” — CCU Member