New Auto Loans
Drive home your next vehicle with confidence. Our auto loans help you secure reliable transportation while keeping your monthly budget on track with competitive rates and flexible terms designed for your life.
What would my auto payments be?
Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.
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Smart Financing That Works for You
Whether you're eyeing a fuel-efficient sedan, family SUV, or reliable pickup truck, we make car buying straightforward. Skip the dealership financing pressure and arrive at the lot as a cash buyer with pre-approved financing in hand.
- Quick decisions: Get pre-approved online or over the phone, often within hours
- Flexible terms: Choose repayment terms from 36 months that fit your budget
- No prepayment penalties: Pay off your loan early without extra fees
- Direct deposit discount: Lower your rate when you set up automatic payments
| Description | APR* |
|---|---|
| New - 24 Mo | 6.55%-17.95% |
| New - 36 Mo | 6.65%-17.95% |
| New - 48 Mo | 6.75%-17.95% |
| New - 60 Mo | 6.85%-17.95% |
| New - 72 Mo | 6.95%-17.95% |
| New - 84 Mo | 7.05%-17.95% |
| *APR= Annual Percentage Rate. Interest rates are subject to change. | |
| Our 84 month vehicle loan product is for loans greater than or equal to $40,000.00 and for vehicles classified as a brand new vehicle. | |
Financing for Every Situation
Our auto loans cover new and used vehicles, including cars, trucks, SUVs, and motorcycles. We finance vehicles up to $10,000 with terms that help keep your payments manageable. Even if you have less-than-perfect credit, our lending team works with you to find solutions.
The CMS Working Advantage
As your trusted financial partner, we're here throughout your entire car-buying journey. Our local lending team knows the community and understands your needs. Plus, you'll enjoy the peace of mind that comes with banking locally—real people you can reach when you need help.
General Questions
Ready to get pre-approved? Apply online now or call us at 800-262-6285 to speak with a lending specialist today.
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