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Loans & Credit

Have some fun in the sun with the only ONE to offer rates as low as 1% APR!*

Special TrueCar® Limited Time Offer ends June 30.

When you finance your auto loan with us using our Online Auto Buying Service powered by TrueCar,® you can get rates as low as 1% APR* for terms up to 36 months and financing up to 125% of MSRP or NADA Retail Value. Other terms and rates are available. Plus, you can choose your own due date to fit your budget. Get more with our online Auto Buying Service Powered by TrueCar.1 It's a simple, no-hassle way for you to buy a vehicle and get a great price. Click here to find your car!

New and Used Auto Loans

If you are buying a new or used car, 1.49% APR* could get you into your dream car!  Get more with a pre-approved loan from CommonWealth One and you'll be in the driver's seat when purchasing the car you really want.  

Now with NO payments for the first 90 days**

  • Rates as low as 1.49% APR* for up to 36 months on new or used cars
  • Financing up to 125% of the purchase price, MSRP, or NADA retail value, whichever is lower1
  • Choose your own due date to match your cash flow
  • Skip A Payment option twice a year
  • An easy application process with no application or processing fees
  • Loan terms up to 84 months

Best Rate Promise for Auto Loans

Our Best Rate Promise2 offered through our Rate Match Program proves that we have the best auto loan interest rates to save you money when purchasing or refinancing your vehicle. If you are pre-approved for an auto loan from another lender, we’ll beat that rate… We Promise! 

Get Pre-Approved

Before you visit a dealership, get pre-approved for an auto loan from CommonWealth One. You can afford more than just the purchase price with our option of 125% financing, which allows you to customize your new car the way you want with premium dealer packages and options.  You’ll be in the driver’s seat when negotiating your deal by knowing exactly how much you can afford.

Protect Your Investment

  • Choose Guaranteed Asset Protection (GAP) with your auto loan and protect your family and investment. GAP is available for only $299.
  • Get peace of mind with Major Mechanical Protection and protect your new car from the expense of future costly repairs with a one-time payment. 
  • Protect your loved ones with Credit Life and Credit Disability Insurance, which repays your loan balance in full in the event of your death.
  • Extend the life of your vehicle with Tire and Wheel Protection and Paintless Dent Protection

Auto Loan Refinancing

Lowering your monthly payment can increase your cash flow and help you save money.  If you are looking to lower your auto loan payments, reduce your interest rate or payment term, CommonWealth One can help.  Refinance your auto loan and get rewarded with our lowest rates available through our Best Rate Promise.


  • *APR = Annual Percentage Rate. Rates are subject to change at any time. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Rates are subject to change at any time.
  • **90-Days no payment offer for qualified borrowers. Some restrictions may apply.
  • 1125% of the purchase price, MSRP, or NADA retail value, whichever is lower.
  • 2To qualify for the Rate Match Program, you must provide written documents of approved rate from another lender. Existing CommonWealth One loans do not qualify.
  • Sample payment of a $20,000 auto loan with 1% APR for 36 months term, your monthly payments will be $564.16.
  • Loans are subject to a minimum monthly payment of $45.00.
  • Refinanced funds cannot be used to pay off existing CommonWealth One loan balances.
  • Some rates quoted reflect a .50% reduction for Loan Loyalty Rewards. Example: 1.99% (current rate) less .50% Loan Loyalty Rewards equals 1.49% (your final APR). For more information, please contact us.
  • Car loans with terms of 61 to 72 months require a minimum $15,000 purchase price. Car loans with terms of 73 to 84 months require a minimum $25,000 purchase price.