Vehicle Loans

Cars and trucks. ATVs and RVs. Boats and snowmobiles. Whether you want to travel on dry land, over the water or through a foot of snow, our low rate loans will help you get up and go.

Ready to hit the road? We can fast-track your application.

Dealers in Wisconsin and Michigan offer an exciting inventory of new and used autos, boats, campers and pickups. But it's CoVantage Credit Union that offers the best rates and terms on car loans. With an easy application process and same-day approval in most cases, we can have you behind the wheel -- or at the throttle -- in pretty much no time at all.

  • 100% financing available
  • Auto loan rates as low as  6.24 % APR
  • Terms from 24 to 84 months
  • No prepayment penalties or application fee
  • Easy application and same-day approval in most cases
  • Financing with CoVantage is available at many car dealers
  • Weekly and biweekly payment plans available that can speed up loan repayment and reduce interest charges
  • Refinance existing vehicle loans
  • View our competitive vehicle loan rates
  • Use our loan calculators to figure out your monthly vehicle loan payments
  • Vehicle loans are eligible for loan interest rebate

Titled Vehicle Rates

Annual Percentage Rate (APR) effective 06/02/2023 and subject to change. $5000 minimum loan amount for titled rates on auto loans. Auto loans under $5000 are subject to unsecured rates and terms. Please be aware that individual rates and terms may vary based on down payment, age of collateral, mileage, credit history, and credit score. 120 and 180 month terms only available for motorhomes, campers, and boats. See all rates.

Term APR As Low As Monthly Payment Per $1000
24 Month 6.24% $44.43
60 Month 6.34% $19.49
66 Month 6.34% $17.99
72 Month 6.34% $16.73
36 Month 6.34% $30.58
48 Month 6.34% $23.64
84 Month 7.84% $15.51
120 Month 8.44% $12.37
180 Month 9.44% $10.41

First-Time Car Buyers Program

  • Open to borrowers who have not yet established a credit score
  • Available to those who have never financed a vehicle before and have a minimum of 6 months with current employer
  • Financing available for new or used vehicles up to 100% of vehicle value
  • Borrowers may be able to qualify for our lowest rates (Tier 1)
  • Most first-time buyers must have a loan co-signer unless they make a significant down payment

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