Auto Loans
New Vehicles
We offer financing for up to 125% of the MSRP PLUS Tax, Title, and License on new vehicles
Good news! If the car is a current or previous year model with less than 40,000 miles, you can finance it at our new auto rate!
Get pre-approved before you shop and lock in your low rate!
Review DOE/EPA’s Fuel Economy Guide to help with your decision
Used Vehicles
We offer financing for up to 125% of the clean retail value in the NADA Used Car Guide
Need to refinance your current loan? It’s easier than you think! Contact one of our consumer lenders to see what you could save or start your application online!
And remember, if the car is a current or previous year model with less than 40,000 miles, you can finance it at our new auto rate!
No cash out on vehicles older than seven years
First-Time Auto Loan Program
Our First-Time Auto Loan Program is tailored to assist members with little to no credit in financing their first vehicle without requiring a cosigner.
Program Benefits:
Lower Interest Rates: Enjoy rates that are more favorable than those typically offered by dealerships.
No Cosigner Needed: Secure your loan independently.
Flexible Terms: Choose from various repayment plans to ensure affordable payments.
Contact a lender for eligibility requirements.
Rates
Last Declaration Date: June 24, 2025
New Auto Loans***
| Terms | APR* | Limits | Monthly Payment per $1,000 Borrowed |
|---|---|---|---|
| Up to 36 Months | % - % | $31.23 - $33.46 | |
| Up to 48 Months | % - % | $24.30 - $26.71 | |
| Up to 60 Months | % - % | Maximum term for loans up to $15,000 is 60 months | $20.16 - $22.76 |
| Up to 72 Months | % - % | Loan amount is $15,001 or greater | $17.66 - $20.22 |
| Up to 84 Months | % - % | Loan amount is $30,001 or greater | $15.72 - $18.47 |
Used Auto Loans***
| Terms | APR* | Limits | Monthly Payment per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 Months | % - % | Maximum term for loans up to $5,000 is 24 months | $45.24 - $47.32 |
| Up to 36 Months | % - % | Maximum term for loans up to $7,000 is 36 months | $31.34 - $33.70 |
| Up to 48 Months | % - % | Loan amount is $7,001 or greater | $24.42 - $26.96 |
| Up to 60 Months | % - % | Loan amount is $14,001 or greater | $20.65 - $23.02 |
| Up to 72 Months | % - % | Loan amount is $25,001 or greater | $17.91 - $20.48 |
Loyalty Rebates
At CSE, relationships are everything. That’s why we created Loyalty Rebates, a credit union cash back program. It’s a way we can say thank you for being connected with CSE, and it’s one negotiation you don’t have to worry about when purchasing a vehicle.
This offer ends December 31, 2025. Minimum loan of $30,000 earns $300 cash back. Minimum loan of $60,000 earns $500 cash back. Rebate will be deposited into member’s share account at loan closing. Current CSE loans are not eligible to refinance with this offer. Some restrictions may apply. CSE has the right to cancel promotion without notice. Subject to credit approval. Cannot be combined with any other offer. Contact a CSE Lender for more information. Membership and Eligibility required.
Keep in mind, you may also receive a pricing discount:
Member loyalty “pays off” with Relationship Pricing, where you can receive a rate discount on your auto loan and save even more on our already great auto loan rates! We value your membership and want to help simplify your life by saving you time and money.
With our Relationship Pricing, you can receive a 0.25% discount on auto loans when you have two of the following:
CSE Checking Account
Set up Automatic Transfers for loan payments
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Ask for details today. Ready to Apply?