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Loyalty Rebates – Up to $500 Cash Back

When you finance your next car with CSE, you can earn up to $500 cash back through our Loyalty Rebate program. Whether it’s a new, used, or refinanced auto loan, this special offer puts money back in your pocket.

  • Minimum loan of $30,000 earns $300 cash back

  • Minimum loan of $60,000 earns $500 cash back

Rebates are deposited directly into your CSE savings account—making your loan even more rewarding. Combine affordable rates, flexible terms, and extra cash back, and you’ll see why Members choose CSE for their auto financing needs.

Do I need to be a CSE member to apply for a loan? 

Yes, you can apply, but your loan application will not be processed until you are a Member.

 

Can I get preapproved for an auto loan?

Yes, you can get preapproved prior to auto shopping. A preapproval is good for 30 days.

 

Benefits of Auto Loan Preapproval

  • Know your budget: You will get a clear idea of how much you can borrow and what your monthly payments would be.

  • Stronger negotiation power: Having a preapproval makes it easier to negotiate a better price before visiting the dealership or shopping online. 

  • Avoid multiple hard inquiries: With a preapproval, the credit union conducts one hard inquiry compared to multiple inquiries at a dealership for approval.

 

Does CSE offer financing for a loan from a private seller?

Yes, CSE Federal Credit Union does offer collateral loans that can be used to purchase from a private seller. Please contact a CSE lender at (337) 477-2000 for more information.

 

Can I refinance my existing vehicle loan?

Yes, you can refinance your current auto loan that is currently with another financial institution. Call or visit one of our branches to see if CSE Federal Credit Union can save you money by lowering your interest rate.

 

Does CSE charge any fees to refinance?

No, CSE does not charge any fees to refinance your auto loan. A title fee may apply if making changes to the current title.

 

Does CSE have any prepayment penalties?

We do not charge any prepayment penalties on any of our consumer loans. You can pay off your loan early without facing any fees or penalties, which gives you the flexibility to save on interest and become debt-free faster.

 

When to refinance

The best time to refinance depends on multiple factors.

  • Your credit score has improved

  • Interest rates have dropped

  • You want to remove a Co-Signer

  • You're unhappy with your current lender

  • Your loan is relatively new     

 

Auto Refinance Checklist

Vehicle Information

  • Vehicle Identification Number (VIN)

  • Current mileage

  • Year, make, and model of the vehicle

Current Loan Details

  • Name and payoff mailing address of your current lender

  • Loan account number

  • Recent loan statement

  • 30-day payoff amount, or current payoff with daily per diem

Personal Identification and Information

  • Valid driver's license or state-issued ID

  • Proof of income

  • Social Security number 

Things to Watch Out For

  • Prepayment penalties from your current lender

  • Loan-to-value ratio (LTV): If you owe more than your car is worth, you may be required to put money down. CSE will finance 125% LTV