Car and Truck Loans

Community West Credit Union makes it easy to get a vehicle you love with simple and flexible financing options. For over 50 years, we’ve been helping West Michigan drivers hit the open road in new and pre-owned cars, trucks and SUVs with our automotive loans. Featuring competitive rates and great perks, our financing options cater to a wide spectrum of life-stages and budgets. So when you’re ready to purchase a new ride, know that Community West will be by your side.

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About Our Auto Loans
As a member-owned financial institution, CWCU offers competitive rates and flexible loan terms. With a variety of options available, we’re able to match you with a loan that meets your needs. Need 48 months? 72 months? Working with our lending experts to find the right fit for you couldn’t be easier. In addition to competitive rates and terms, our auto loans offer other benefits too, like CWPERKS!

Use our Simple Loan Calculator to help you get a better idea of what to expect. Find our current loan rates at the bottom of the page.

How to Get Car Loans
There are many different ways to go about buying a new or used car. Some people go through a dealership, while others buy from a private seller. Because of that, Community West Credit Union offers a range of solutions to accommodate everyone’s situation. One way we do that is by offering both direct consumer loans and indirect consumer loans.

  • Direct Consumer Loans: The loan is obtained directly from Community West instead of going through a third party. This allows you to secure a loan before you even go to the dealership or private owner. Many members like this option because it helps them feel more confident while shopping around.
  • Indirect Consumer Loans: The dealership gets a loan from Community West for you. The sales associate at the dealership takes care of the necessary steps for you and you sign your CWCU loan paperwork right at the dealership. Community West Credit Union works with several local, trusted dealerships. See the complete list below.

If you’d like to go the direct route, you can apply and get pre-approved online whenever you’re ready. 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.

Auto Loan Refinance
Refinancing your auto loan at 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!

Use our Simple Loan Calculator to see how refinancing at Community West can help you! Find our current loan rates at the bottom of the page.

If you’re interested in refinancing your current vehicle loan, apply online, or contact us to speak with a representative.

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.

Last Updated: January 4, 2021
2021 – 2017 New & Used Auto Loans APR (as low as)
36-month term 2.75 % APR*
48-month term 2.75 % APR*
60-month term 2.75 % APR*
72-month term 3.25 % APR*
84-month term 4.00 % APR*
2016 – 2011 New & Used Auto Loans APR (as low as)
36-month term 3.00 % APR*
48-month term 3.00 % APR*
60-month term 3.50 % APR*
72-month term 4.00 % APR*
84-month term 4.75 % APR*
Older Autos (2009 and older, up to 60-month term) 9.25 % APR*
First Car Loan (ages 18 – 24) APR (as low as)
First Car Loan (2021-2017) 4.75 % APR*
First Car Loan (2016-2011) 5.50 % 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.

Local Dealers      
Barber Ford DeNooyer Chevrolet Good Motor Company Seelye Kia of Holland
Berger Chevrolet Ed Koehn Chevrolet Grand Rapids Harley-Davidson Stehouwer Auto
Betten Baker Chevrolet Ed Koehn CDJ Harold Ziegler CDJ Summit Place Kia
Betten Baker Grand Rapids Ed Koehn Ford-Lincoln Harold Ziegler Ford Terry Town RV
Betten Baker Lowell I Ed Koehn Ford – Wayland Harvey Cadillac Todd Wenzel Chevrolet
Betten Baker Lowell II Elhart GMC Harvey Lexus of Grand Rapids Todd Wenzel Buick GMC
Betten Imports Elhart Nissan Harvey Auto Outlet Tony Betten & Sons
BMW Motorcycle Elhart Kia J Brinks Auto Sales Toyota of Grand Rapids
Borgman Ford Fox Buick-GMC K & M Northfield Dodge Van Andel & Flikkema Chrysler
Courtesy CDJ Fox Chevrolet K & M Wayland LLC Vanderhyde Ford
Crown CDJ Fox Ford Kool Chevrolet Veurinks’ RV Center
Crown Motors Buick Cadillac Fox Honda Kool Toyota Village Motor Sports
Crown Motors II Fox Hyundai Kia Macatawa Auto Village Motor Sports – Holland
Dan Pfeiffer Plainfield Used Cars – N Fox Nissan Mall of Crown Motors
Dan Pfeiffer Used Cars (84th) Fox Powersports Pfeiffer Lincoln Mercury
Delta Imports Fox Subaru Serra Honda
filling out loan paperwork with car key on table
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