Park Community Credit Union - Auto Loan Product

Your dream car deserves a dream loan.

A car is one of the biggest purchases you’ll make, and high-interest rates can add hundreds of dollars to your total. Getting pre-approved for an auto loan before you go car shopping will help to put you in the driver’s seat when you’re negotiating price.

We’ve worked hard to make applying for your car loan as easy as possible. You can call, apply online, or join Park Community as a member and take advantage of our super-fast, super-easy app. Drop by any branch and join today.

Not sure where to start? Call 502.968.3681.

The Auto Starter Loan

If you’re looking to buy your first car, or it’s been a few years since you’ve had a car loan and you need to build credit, we have a great option for you!

Buying a car?

An Auto Loan at Park Community is a loan that puts you in the drivers seat. The car you want is within reach with our low rates. Feel confident at the dealership knowing what you can afford and what you should be paying.


Young children sitting in the backseat of family vehicle while taking a drive on a summer day.

Refinance Your Loan

Love your car but not your Auto Loan? Refinance your Auto Loan with Park Community Credit Union and save. At Park Community, we’re known for our great loan rates. But if you got your Auto Loan somewhere else at a much higher rate, we can likely reduce your payments with an Auto Refinance. Refinancing your Auto Loan with Park is quick and easy and offers significant savings.

Cash-Out Refinance Loan

Lower rates equal smaller payments, and in today’s economy, every little bit helps. If you paid your car loan off early or if you have equity in your vehicle, then you can get the things you need today with a Cash-Out Refinance Loan from Park Community. Borrowing against your car is a great way to save money.

Young father smiles while he buckles his baby into car seat.
  • *Annual Percentage Rate. Rates as of January 1st, 2023 and subject to change without notice. Must qualify. Final rate determined by credit score, vehicle age, and loan term. Other terms and conditions may apply. Advertised rate includes 0.25% rate reduction for automatic payments. $5,000 minimum loan amount. Must be a new loan or a refinanced loan from another lender, not an existing Park Community loan.  Loan example: $20,000 for 48 months at 3.25% annual percentage rate would yield a $444.93 per month payment or approximately $22.25 per $1,000 borrowed.

Additional auto loan information.

  • NADA

    NADA provides information on the value of new and used cars, motorcycles, boats, and RVs. It’s a great tool to use for negotiating a fair price and to make sure you are not being taken advantage of.

  • Insurance Verification

    Full coverage insurance is required on all Park Community auto loans. If you’ve switched insurance companies or have been asked to verify your insurance coverage, please click here to visit the Insurance Verification Online Customer Service Center.

  • Skip a payment

    For only a $25 fee, get peace of mind knowing that when lifes unexpected expenses happen, Park Community is here – skip up to two payments a year on any of your qualifying auto loans.

  • Current Auto Rates

    For detailed information on the rates of current auto loans, click to review the rate for you