Drive the car you want—with a rate you’ll love.
Whether you're buying new, used, or refinancing your current ride, we make getting behind the wheel easy and affordable with flexible auto loan options and member-first service.
Auto Loans
Low, Competitive Rates
Get more car for your money with some of the best rates around.
Flexible Terms
Choose a payment plan that fits your budget—with terms up to 96 months.
Quick, Easy Pre-Approvals
Shop with confidence knowing your financing is ready.
No Hidden Fees
What you see is what you get—no prepayment penalties or surprises.
Local Lending Team
Decisions made right here by people who know you—not a big bank.
Refinance and Save
Already have an auto loan somewhere else?
Refinance with us and lower your monthly payment or shorten your term—without the hassle.
First-Time Buyers Welcome
New to car buying? We’ll walk you through the process and help you feel confident every step of the way. Lower your payment today!
There are several factors that help determine an interest rate and payment on a loan. These include the amount you borrow, how long you will need to repay the loan, your credit history and the type of collateral involved. Just call us – there is never a cost to have us determine your rate or payment!
Contact us - we’re here to help you hit the road.
Apply for a Loan Today!
CPCU members can apply online through CPCUi or through our app!
If you live, work or worship in one of these 24 counties – You can still apply!
Call us 517-372-2400, or click here to apply today!
Not a member yet? That’s okay! Now, anyone can apply for a loan online!
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.
New Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: July 1, 2025
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 24 Months | 5.300% |
| 36 Months | 5.550% | |
| 48 Months | 5.800% | |
| 60 Months | 6.050% | |
| 72 Months | 6.300% | |
| 84 Months | 6.900% | |
| 620-699 | 24 Months | 5.550% |
| 36 Months | 6.050% | |
| 48 Months | 6.250% | |
| 60 Months | 6.300% | |
| 72 Months | 6.800% | |
| 84 Months | 7.400% | |
| 580-619 | 24 Months | 5.800% |
| 36 Months | 6.550% | |
| 48 Months | 7.050% | |
| 60 Months | 7.300% | |
| 72 Months | 7.800% | |
| 84 Months | 8.400% | |
APR=Annual Percentage Rate 10% down payment may be required on 84 months loans *No discounts on the interest rate if an "Auto-Up" Loan | ||
CPCU is now offering GAP Advantage
$455 for the protection
Since most insurance companies base their claim payments on the present value of your vehicle, your loan or lease balance could be higher than the value of your vehicle at the time your vehicle is stolen or totaled, which means you could be left owing a lot of money out of pocket to pay off the balance of your loan.
GAP (Guaranteed Asset Protection) Advantage is a voluntary, non-insurance program offered as protection on your financed vehicle to enhance, rather than replace, your standard insurance coverage.
In most circumstances, a vehicle is worth a lot less the second it is driven off the lot. True in more cases than not, the value of a vehicle rapidly declines during the first few years of ownership.
Who does GAP advantage protect: GAP advantage is designed for all drivers, whether you are financing or leasing a new or used vehicle. Automobiles, vans, light trucks, motorcycles, boats, travel trailers, motor homes, golf carts, jet skis, and snowmobiles may be eligible.