Auto loans
Your Dream Car Deserves a Dream Loan! Whether you’re buying a new car, a used car or refinancing an existing loan, or getting a low-rate auto equity loan, we’re here to help you get on the road in style!
With low, money-saving interest rates and friendly, expert service, 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.
Highly Rated & Low Interest
Auto Loans Made Easy!
With low, money-saving interest rates and friendly, expert service, 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.
The Auto Starter Loan
The automatic choice for your first car loan!
Up to $30,000 with “factory installed” great service and a personal connection you can count on.
- Available with no or limited credit history
- No Co-Signer needed
- Up to $30,000 on models 2014 and newer
- Only 6 months of current employment history needed
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.
- Apply online, over the phone or in person
- Pre-approvals make car shopping fun
- Low rates & flexible terms keep your payments manageable
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.
ready to get started?
Loan Payment Calculator
Find out how much your auto payment could be with a Park Auto loan!
Important Resources
Auto Loan Resources
Visit our auto loan resource center to make an informed car buying decision. The NADA guide can help you determine your car’s value, along with a link to our auto loan rates. If you need to verify or update your auto insurance, we’ve included a link for that. And you can easily apply to skip an upcoming payment with the quick links.
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 life’s 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.
Auto Starter Loan Details:
*Annual Percentage Rate. Rates as of January 1, 2025, and subject to change without notice. Must qualify. Final rate determined by credit score, vehicle age, vehicle value and loan term. Other terms and conditions may apply. Advertised rate includes 0.25% rate reduction for automatic payment from a Park Community CU account. Loan example: $20,000 for 60 months at 6.24% annual percentage rate would yield a $389 per month payment or approximately $19.45 per $1,000 borrowed.
Must Qualify. Auto Starter Loans can fund as new or used autos only, and does not apply to boats, recreational vehicles, or motorcycles. Must be currently employed for a minimum of 6 months or have graduated from a college or trade school within the last 12 months, and not had auto payment history in the last 2 years. Maximum age of vehicle is 10 years. Maximum loan to value (LTV) of 100%. Maximum Loan amount $30,000 (Not including Park GAP, VSA, and CU Drive). Maximum vehicle mileage 150,000. Other terms and conditions may apply.
Apply Today!
Apply for your Auto Loan Today!