Vehicle Loans: Buy or Refinance

CSEA members save with low, fixed rates.

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Get pre-approved for your loan and go car shopping!
Not ready to buy? Let’s see if we can shrink your payment.

  • Fantastic rates, fast approvals
  • Rates as low as  % APR1 for 60 months on new and used vehicles
  • Refinancing may lower your current payment
  • Member discounts at Capital Region dealers
  • Drive your first 90 days payment-free!2
Already a CAP COM member?

Application Instructions

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Or call (844) 622-CSEA (2732)

Not a CAP COM member yet?

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Vehicles NEW-5 Years Old As low as
  % APRˆ
for 60 months

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Vehicles 6-7 Years Old As low as
  % APRˆ
for 60 months

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Vehicles 8+ Years Old As low as
  % APRˆ
for 48 months

View Details

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Refinance & Save

Check out our low rates for ways to save.

  • Your current vehicle loan (from any lender) is eligible
  • A lower rate can reduce your monthly payments
  • You could also pay less overall
  • No fees, apply in minutes

Refinance Now

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Man looking at white car

Buy Today, Pay Later

Enjoy special privileges when you finance with CAP COM.

  • Drive for weeks before making a payment
  • Choose 30, 60 or 90 days payment-free2
  • Loans on vehicles 7 years old or newer are eligible

Apply for Loan

Learning Center

A woman shopping for cars at a dealership

Cash Rebate or 0% Financing?

At the dealership, you might be offered a cash rebate or 0% financing. What's the better deal?

Incentive Pros & Cons

What Exactly is a Credit Union?

It’s time to clear up any confusion about what credit unions are and how we provide financial services that enhance your life.

Find Out

Two men looking at fender bender

What is GAP?

Car totaled? If the payment you get from insurance falls short of what's left on your loan, GAP helps pay it off.
 

More Information

  1. APR = Annual Percentage Rate. All rates quoted are for individuals with excellent credit and who select our Automatic Payment Plan. Representative monthly Auto Loan payment based on a five-year term at a 2.34% fixed Annual Percentage Rate is $17.64 per $1,000 borrowed. Rates are accurate as of   and are subject to change without notice. Ask about other terms and rates. Credit Union membership required for loan disbursal.

  2. Some restrictions apply. Ask a representative for details. New/Used Auto Loans and refinances of non-CAP COM Auto Loans only. Credit Union membership required for loan disbursal. Interest on 30, 60, or 90 days no payment loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments.