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New & Used Auto, RV, Boat and Motorcycle Loans
Our loan officers are here to help you with all your vehicle and recreational loan needs! You can receive loan pre-approval before you shop, and our quick turnaround time ensures that you’ll have your new vehicle as soon as possible. Plus, when you finance with C&CCU, we can provide you with a vehicle report for less than retail cost, so you can be sure you’re making a smart investment. Whether you’re searching for your next car, want to have fun with your new boat, motorcycle, ATV or RV or need a trailer to haul your equipment, C&CCU has a loan for you.
Vehicles are accepted as collateral on loans. Loan amounts will be based on 100% of the retail price of both new and used vehicles including insurance and taxes. Retail price will be determined by the vehicle value books (N.A.D.A.).
Member creditworthiness, insurance, and vehicle age and titles all factor in to our auto and recreational vehicle loans. To learn more about credit union requirements and member eligibility guidelines, contact a loan officer at (618) 233-8073.
Check out our list of indirect dealers to shop for options near you!
First-Time Auto Loans
Credit union members ages 18+ can borrow up to 100% of the vehicle's value, and enjoy flexible loan terms. The loan rate is determined by the Co-applicants (parent or guardians) credit score as long as the Co-applicant lives in the same household. So a young borrower doesn’t have to have a credit history to be considered for an auto loan. Plus, C&CCU offers low down-payment requirements as well as GAP insurance coverage. A credit union staff member will tailor each loan to ensure affordable payments. These loans are a great way for young members to build their credit from behind the steering wheel!
In addition to great vehicle loans with low rates and excellent service, C&CCU members can also include Guaranteed Auto Protection (GAP) and Extended Warranties in their financing. Check out how you can add value to your loan:
Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. Debt Protection Details
Most people learn about GAP risk the hard way: by believing that their primary insurance will pay off their loan balance if their vehicle is totaled or stolen.
The truth is that your primary insurance carrier will usually pay only the actual cash value of your vehicle, less your deductible. If that sum is less than the loan balance, you have to personally provide the remaining funds. You could end up making payments on a car you can’t even drive!
GAP Insurance is available on autos, trucks, motorcycles and personal watercraft for a low, one-time cost. This cost can be included in your loan, and will pay off your remaining loan balance should your automobile be stolen or damaged beyond repair. Ask your C&CCU Loan Officer about this product when you arrange vehicle financing.
Extended Service Contracts
When buying any vehicle, there is always a chance of having a mechanical breakdown. However, you will have peace of mind knowing that most problems can be taken care of with an Extended Service Contract from Route 66. With this coverage, you’ll never have to worry about expensive mechanical failure again. All plans include 24-hour Emergency Roadside Service and zero-deductible repairs! Ask your Loan Officer for information regarding these contracts when you arrange vehicle financing.