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
$500 Bonus on Car Loans!
International Credit Union Day is a reminder of what matters most: local support, real savings, and a financial partner that listens. In honor of the credit union movement, we’re offering a $500 bonus on qualifying auto loans* to use towards a GAP Plan or to pocket as cash back!
✔️GAP Plan: Guaranteed Asset Protection (GAP) Plans are designed to provide additional protection to your loan in the event your vehicle is deemed a total loss. Add a GAP Plan to your loan at no additional cost to you.*
✔️ Cash Bonus: Who doesn’t love extra cash? Choose to receive your bonus as cash back* to use it for gas, groceries, or something for yourself.
*$500 Bonus available on new CFCU loans only; refinancing a current CFCU auto loan does not qualify for this offer. Auto Loan application must be submitted from October 15, 2026 – October 31, 2026 to qualify. Maximum loan term that qualifies is 66 months. Loan must be a minimum of $10,000. Loan subject to evaluation; approval not guaranteed. If auto loan application is approved, Member can choose to receive their bonus one of two ways: 1. apply their $500 bonus to cover a Guaranteed Asset Protection (GAP) plan with Chaffey FCU through TruStage™ Insurance; or, 2. receive their $500 as cash back, which will be deposited into the members’ share draft account (or primary savings if no share draft account exists) within 10 business days of the qualifying auto loan funding date. This offer can be combined with the automatic payment discount; no other offers or promotions apply. Offer subject to change without notice.
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.
Protect Your Vehicle Well Beyond the Manufacturer’s Warranty.
Choose Mercury Mechanical Protection with your Chaffey FCU Auto Loan to get the most out of your vehicle. Mechanical Protection takes care of a variety of repair costs when your ride breaks down.
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.