New and Used Auto Loans in Jackson County

Go from stay-cation to vacation. Work from home to become a weekend road warrior, or go from virtual school days to virtually anywhere with a new (to you!) vehicle. City Credit Union wants to pave your way with our best auto loan rates, friendly staff, and used auto loan expertise.

Auto Loans Fit for Everyone

Maybe it's your first car or it's a brand new addition to your garage. Our low rates and best auto loan experts are here to guide you each step of the way. 

New Auto Loans 

For new auto loans, we provide low rates, flexible terms, affordable payments, and personalized service without application fees or hidden charges.


With a new auto loan from City Credit Union, you can:

  • Borrow as much as 100% of the value of your new or used vehicle
  • Enjoy terms up to 60 months with no early payment penalties
  • Receive free pre-approval, and shop with confidence
  • Protect your investment with low-cost GAP insurance, extended warranty options and CU Road Pal roadside assistance.

Used Auto Loans

If you are looking for a used auto loan, enjoy the same benefits listed above for new auto loans while incurring a lower amount to borrow with less depreciation values. 

Loan Protection

City Credit Union offers low-cost insurance and warranty plans to protect your assets or loan payments. We help you plan for the unexpected!

  • GAP Coverage

    Guaranteed Asset Protection, GAP coverage, protects you from ongoing loan payments if your vehicle is declared a total loss due to collision or theft. GAP coverage pays the difference between an insurance settlement and your loan balance, saving you from a potentially high-cost difference.  Ask about it when you apply for your next loan!

  • Extended Warranty Plans

    Flat tires, repairs, and breakdowns can deliver a blow to your budget. Keep your dollars in your pocket with extended warranty plans and policies, including:


    • Roadside Assistance
    • Towing
    • Rental Reimbursement
    • And More!

    Extended warranty plans can even be transferred if you sell your vehicle to a private party. Model and mileage guidelines apply. 

  • CU Road Pal

    Created exclusively for credit union members, this valuable roadside assistance program offers a wide range of services and other travel-related benefits so you can enjoy worry-free driving. 

  • Payment Protection Insurance-Debt Protection

    Available with most loans, this optional coverage is underwritten by CMFG Life Insurance Company. Our loan officers are available to assist with all the details. 

Hit the Road with a Motorcycle Loan

Live your best life now and hit the open road on two wheels with a motorcycle loan from City Credit Union. We’ll assist you with the best motorcycle loan whether you’re looking for a bike for day trips, weekend fun or for traveling cross-country on. 

Enjoy Traveling with an RV Loan

While traveling is fun, it can also be stressful without the comforts of home. Why not take a mini version of your home with you? It will spare you the hassle of finding places to stay, abiding by their rules and time limits. You won’t have to find pet friendly accommodations either. Apply for an RV or camper loan and save the day. Recreational vehicle loans are trending nowadays because they make traveling enjoyable. 

Have the Best Summer with Boat Loans

Do you enjoy fishing? Maybe you would enjoy motoring over the waves in a speed boat? Or maybe you want a pontoon boat for a calm float trip on the lake the whole family would enjoy. When you need a boat loan, City Credit Union is here to float your boat with the best boat loan rates! 

Why Choose City Credit Union for Your Auto Loan?

Locally owned and operated, City Credit Union will provide expert auto loan guidance and the best vehicle loan rates in our area. 


We will work with you regarding details such as:

  • Interest Rates

    We will go over all of your interest options including the Annual Percentage Rate (APR). There are also options for fixed rates and adjustable rates. Auto loan Interest rates are determined by your credit score, your income, and the type of vehicle you want to purchase. Interest rates on new vehicles are often lower than rates for used vehicles.

  • Amounts to be Financed

    Take into account your state and local taxes, depending on how much they will add to the total of your auto loan versus whether you can pay for them upfront.

  • Setting Optimal Monthly Payment Amounts

    Remember that vehicles also require maintenance, gas and general upkeep when determining your monthly payment. You want to aim for a total auto loan amount that gets you the best vehicle available but also allows some budget “wiggle room” when unexpected expenses hit your budget. 

  • Payment Penalties

    Never worry about penalty fees when you pay off your loan early with us! You can fully enjoy the satisfaction of making that final payment.

  • Aftermarket Products and Services

    Some auto loans require credit insurance or additional services that can increase your monthly payment and overall loan amount. Our auto loan experts at City Credit Union will discuss these options with you in detail.    

  • Loan Term Lengths

    The term length of a car loan typically ranges from 36 to 72 months.  Longer auto loan terms will lower your monthly payments but will cost you more in the long run with extended interest payments and fees.  

Youth Loans

City Credit Union gives young members the opportunity to build their credit history early and get started on the right financial path. CCU will loan to young adults ages 16-17 with a parent/guardian. Rates and terms are the same as regular loans.


Whether borrowing funds for a first car or applying for a small personal loan, Our CCU staff will help navigate your child through the loan process and provide important financial literacy tools needed for a bright financial future. 


Contact us to learn more about the youth services at City Credit Union. 

(816) 252-2415

Youth Loans

City Credit Union gives young members the opportunity to build their credit history early and get started on the right financial path. CCU will loan to young adults ages 16-17 with a parent/guardian. Rates and terms are the same as regular loans.


Whether borrowing funds for a first car or applying for a small personal loan, Our CCU staff will help navigate your child through the loan process and provide important financial literacy tools needed for a bright financial future. 


Contact us to learn more about youth services at City Credit Union. 

(816) 252-2415
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