A New Way to Find Your Next Ride

If it’s time for a new ride, you’re in the right place to get your next vehicle. Community West Credit Union makes it easy to find and finance a car you love with simple and flexible options.

Getting an auto loan can be a difficult process, but it doesn’t have to be. With the right information and a great credit union as your guide, you’ll find the process is simple! Our experienced lenders can help you find the type of auto loan that works best for your needs.

Whether you’re considering an auto loan refinance or a new auto loan, we are here to help every step of the way!

Two Ways to Finance

Work Directly with our Lenders
Apply for a Community West auto loan online, by phone, or at any of our six West Michigan locations.

Request Financing from a Dealer
Working with your favorite dealer? Request your financing from Community West at the dealership.

Start Auto Shopping

Our Auto Smart site makes car shopping simple!  View cars, trucks, and SUVs across the country or nearby. We want you to enjoy your car shopping experience and drive home with a great deal. If it’s out there, we’ll help you find it.

The Key to a Better Auto Loan

Additional Coverage Options**

Guaranteed Asset Protection (GAP) Insurance: When a vehicle is totaled in an accident or stolen and not recovered, you could owe more than the vehicle is worth. GAP Insurance is designed to reduce or eliminate the difference between the insurance settlement and the loan balance.

Mechanical Repair Coverage: Do you have an extra $1000 for a car repair? When you don’t, Mechanical Repair Coverage (MRC) is the solution. MRC helps drivers mitigate costly auto repairs, so they can keep moving forward.

ForeverCar: Minimize the disruption of car repairs and get back to what really matters with ForeverCar, a subscription-based mechanical repair coverage.

Debt Protection: Whether due to loss of employment, illness, or disability, a Debt Protection policy helps by making the loan payment without penalty or default on the loan. Debt Protection provides borrowers with peace of mind during an unexpected event.

**Products above do not replace traditional auto insurance required on all auto loans. For additional information, please consult a Community West Credit Union lending officer.

Auto Loan Refinance

If you are in need of an auto loan refinance, Community West can help lower your monthly payment or help you pay off your vehicle sooner! Our lenders will work with you to find the best loan option to fit your needs and guide you through the steps to refinancing. Anyone can take advantage of our competitive rates and quality service, regardless of current membership!

If you’re interested in refinancing your current vehicle loan, apply online, or contact us to speak with a representative. The online application guides you step-by-step through the process and makes it easy to understand. Just fill out your contact, credit, and loan information and then submit it for processing. Of course, you’re always welcome to stop into your nearest CWCU branch for one-on-one assistance with an expert loan officer, too.

Learn More

Have questions about auto loans? Financing a vehicle can be confusing, especially if it’s your first time. Community West Credit Union is here to help you navigate the process and answer any questions you might have. Chat with us online now, give us a call at 844.348.8960, or visit your local West Michigan CWCU branch today.

Community West Credit Union has auto loan refinance programs, auto loans, first car loan programs and much more available. We serve the following communities: Comstock Park, Grandville, Husdonville, Kentwood, Middleville, Rockford, and Allegan, Barry, Ionia, Kent and Ottawa counties.

Auto Loan Rates

Rates effective as of today.

2023 – 2019 New & Used Auto Loans APR (as low as)
36-month term 6.25 % APR*
48-month term 6.25 % APR*
60-month term 6.25 % APR*
72-month term 6.75 % APR*
84-month term 7.50 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.

Rates effective as of today.

2018 – 2013 Used Auto Loans APR (as low as)
36-month term 6.50 % APR*
48-month term 6.50 % APR*
60-month term 7.00 % APR*
72-month term 7.50 % APR*
84-month term 8.25 % APR*
Older Autos (2012 and older, up to 60-month term) 10.50 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.

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