Auto Loans
Chaffey FCU offers Auto Loan resources to help you discover, finance, and protect your vehicle, all while prioritizing quality and affordability.
Chaffey FCU Auto Loan Rates speak for themselves. When looking for your next new or pre-owned vehicle, or to refinance your current car, choose Chaffey FCU to make the process easier.
- Competitive rates
- No application, funding, or prepayment fees
- Easy application process
- Terms up to 84 months on new and used vehicles
- Rate discounts available for automatic payments
Drive Now, Pay Later!
Coast through the rest of the year with a new vehicle. Enjoy the rest of the year with no payments on your Chaffey FCU Auto Loan for up to 90 days!**
Going back to school, preparing for the holidays, or starting a new job – We understand that our Members have a lot going on. To make the rest of the year easier, we’re offering no payments for up to 90 days on qualifying Chaffey FCU Auto Loans!** Available on new and used vehicles for a limited time.
Life is Busy – apply now to drive now, pay later!
GAP Insurance
Guaranteed Asset Protection from TruStage
Will your insurance pay off your loan if your vehicle is deemed a total loss? Don’t find out the hard way! GAP (Guaranteed Auto Protection) Insurance through TruStage provides more complete coverage for just pennies a day. Benefits include:
- GAP helps pay off your remaining loan balance if your vehicle is stolen or damaged and is deemed to be a total loss
- GAP can be included as a small addition to your monthly payment
- GAP helps clear your credit allowing you to start fresh with a new vehicle purchase
- Finance your replacement vehicle through Chaffey Federal Credit Union and receive up to $1,000 toward your new purchase.
As opposed to a traditional dealership, which tends to push the cars they have in stock, AutoAlliance helps you find the car that fits your lifestyle.
From family vehicles to rare sports cars, AutoAlliance’s bespoke shopping experience and decades of expertise will put you at ease — and behind the wheel!
Chaffey FCU loans contingent on Membership status. If loan application is approved, a Membership will need to be opened before loan is funded. Field of Membership requirements apply; all Membership details at chaffey.com/membership.
*Annual Percentage Rate. Advertised rate quoted as of 7/1/25, estimated payment is $29.94/month for every $1,000 borrowed at 4.99% APR for 36 months. Other rates and terms available, maximum rate is 18%. All rates and terms available at chaffey.com/rates-1. Proof of income and auto insurance is required before approval. Loan approval is subject to credit and income evaluation. Program rates, terms, conditions and services are subject to change without notice. Restrictions may apply. Rate shown includes a 0.50% discount for automatic payments. No other discounts apply. Federally insured by the NCUA.
**Offer subject to credit approval and other underwriting criteria. Payment deferral terms vary based on creditworthiness. Not all applicants will qualify for the complete deferment period. First payment due date dependent on auto loan funding date. Available on auto loans applications submitted through December 31, 2025. Offer subject to change without notice.