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Auto Loans

Your car. Your terms. Let's Go!

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Auto Loans that Actually Work For You

From your first car to refinancing your current loan—we make it simple, fast, and local.

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Auto Loans Made Easy

  • Easy preapproval process
  • Quick loan decisions
  • Competitive, low loan interest rates
  • Flexible terms
  • Up to 125% financing
  • Convenient closing options
  • Trusted, local services

Apply Now

Explore Your Auto Loan Options

Buy a Car

Finance a new or used vehicle with flexible terms. 

Refinance

Lower your rate or monthly payment.

First Car

No credit? Start here with our MyWay program.

Find a Vehicle

Search available cars right from your home.

Auto Loan Affordability Calculator

Estimate how much vehicle you can afford based on your preferred monthly payment.

See What You Can Afford

Community Focus Financing Benefits

  • Flexible Terms

    36 months to 94 months - You choose and we’re here to help. 

  • Flexible Financing

    Finance your vehicle and eligible protection products in one loan.

  • Low Rates

    Great rates that can help keep more money in your pocket.

  • Convenient Closing Options

    From the dealership to your living room, we're here to help.

  • Vehicle Protection

    Help protect your investment with optional coverage for life's unexpected repairs and accidents.

How It Works

Apply online, in person or over-the-phone.

Your application is reviewed.

Receive a local lending decision, often the same or next business day.

What Our Members Say

"Community Focus has done so much for me since I became a member. They refinanced my truck, helped me save money, and provided valuable credit counseling. Now I'm working toward buying my first home, and I'll definitely be financing it with Community Focus!" Renita W., Community Focus FCU Member

FAQs

There is no minimum credit score required to apply — each application is reviewed based on overall creditworthiness.

Yes, you can pay off your loan early at any time and there is no prepayment penalty.

Yes. We look at more than just your score.

Up to 125% financing available based on qualification.

Yes—and it may lower your payment or rate.

Absolutely. It helps you shop with confidence.

Protect Your Investment

Help safeguard your vehicle and budget with optional GAP Coverage and Mechanical Repair Coverage.

Explore GAP Coverage and Mechanical Repair Coverage options.

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Why Members Choose Us

  • We look beyond your credit score
  • Local decisions—no big bank bureaucracy
  • Competitive rates and flexible terms
  • Fast, simple application process
  • First-time buyer options available
  • Personalized service from people who know you

Ready to Get Behind the Wheel?

Apply online in minutes, call our lending team, or visit a branch to get started.

Apply Online      VIsit a Branch       Contact Us