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Vehicle Loans: Buy or Refinance

CSEA members save with low, fixed rates.

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?

Apply for Loan

Or call (844) 622-CSEA (2732)

Not a CAP COM member?

Apply for Loan

Or call (844) 622-CSEA (2732)

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


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

  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.