Vehicle Loans

Fast, local financing to get you on the road.

Two men standing in front of a jeep in front of a Community First Credit Union branch having just got a vehicle loan

You’re in the driver’s seat.

Whether it’s time to find your next vehicle or get a better loan payment on an existing one, we’ll find a way to make everything comfortable for you with simple, speedy, WOW service.

Apply Now

Online, over the phone or in person.

No matter what route you take, talk to us before you start your search. We’ll get you behind the wheel quickly and even help you save money on interest with bi-weekly payments options.

Start by getting pre-approved.

Earn exclusive discounts off your loan rate.

Use our experts to find the right vehicle.

Relationships matter here.

Get our best rates when you have your checking with us and use services like Direct Deposit and AutoPay (scheduled loan payments).

Apply Now

If you have	Your discount
Checking + AutoPay	.5%
Checking + AutoPay + Direct Deposit	1%

Competitive rates & flexible terms

Cars, Trucks & Cycles – 2024 & Newer
Term	APR¹ (as low as)	Monthly Payment²
36 months	4.450	$29.72
48 months	4.450	$22.78
60 months	4.450	$18.62
72 months	4.450	$15.85
84 months ³	5.990	$14.60

Effective April 18, 2025

Apply Now

Cars, Trucks & Cycles – 2019 to 2023
Term	APR¹ (as low as)	Monthly Payment²
36 months	4.450	$29.72
48 months ³	4.450	$22.78
60 months ⁴	4.450	$18.62
66 months ⁴	4.450	$17.11
72 months ⁵	4.450	$15.85

Effective April 18, 2025

Apply Now

Cars, Trucks & Cycles – 2016 to 2018
Term	APR¹ (as low as)	Monthly Payment²
24 months	5.450	$44.07
36 months	5.450	$30.17
48 months	5.450	$23.23

If you need financing for 2015 and older vehicles, we’ll find a way. Call us or visit a branch location for options.

Switch your loan to us and save.

Want to know how much you can save on your current loan from another lender? We have lots of options to lower your payments and pay less interest by refinancing your loans with us.

Calculate Your Payment calculate your payment or apply online

Apply Now

We keep member-owners covered with:

Affordable warranty options
Coverage for the “GAP” between what you owe and your vehicle's value
Payment Protection to assist you when the unexpected happens
Looking to make a payment protection claim?

Calculate a vehicle payment.

Our helpful calculators are available to accelerate your decision. If you still have questions, just give us a call or stop by.

Vehicle Affordability by Loan Term

Gas Mileage Savings with a Fuel Efficient Vehicle

More Calculators Here

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Rev Up Your Car Budget

Is this the year you rev up your car budget? If so, you have probably started looking at your finances, what you want, and what you can afford. So, what is best for you and your budget?

Ready to get started?

Apply Now

Visit Us

You can also call us at 920.830.7200 during business hours.

Boats RVs & Powersports

Affordable adventure awaits you.

When it comes to enjoying nature in everything from a fifth wheel to no wheels, we offer stress-free ways to get you camping or cruising quicker.

Apply Now

Get a great deal on the great outdoors.

We’re your personal guide to receiving the right payment and coverage option for your budget.

Easy pre-approvals for smarter shopping.

Lower payments with loan rate discounts.

Competitive rates & flexible terms for Boats & RV

We also offer options to get your payment lower by stretching out payments up to 180 months.

Boats and RV's – 2019 & Newer
Term	APR¹ (as low as)	Monthly Payment²
36 months	4.450	$29.72
48 months ³	4.450	$22.78
60 months ⁴	4.450	$18.62
66 months ⁴	4.450	$17.11
72 months ⁵	4.450	$15.85
72 months - up to 120 mo. amortization ^5,⁶	4.450	$10.34
72 months - up to 180 mo. amortization ^5,^6,⁷	4.450	$7.62

Effective April 18, 2025

¹APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
² Monthly payment is based on payment per $1,000 for term and rate shown above.
³ Maximum term for 2019 model year
4 Available for 2020 & newer model years only.
5 Available for 2021 & newer model years only.
6 Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $206.80 and a final payment of $9,284.33. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $190.61 and a final payment of $17,128.02.
7 Available on loans of $20,001 and over.

Apply Now

Boats and RV's – 2016 to 2018
Term	APR¹ (as low as)	Monthly Payment²
24 months	5.450	$44.07
36 months	5.450	$30.17
48 months	5.450	$23.23

If you need financing for 2015 and older model years, we’ll find a way. Call us or visit a branch locations for options.

Competitive rates & flexible terms for Powersports.

Affordable financing options for serious “toys” – ATVs, campers, personal watercraft, snowmobiles and more.

Powersports – 2019 & Newer
Term	APR¹ (as low as)	Monthly Payment²
24 months	4.450	$43.63
36 months	4.450	$29.72
48 months	4.450	$22.78
60 months ³	4.450	$18.62

Powersports 2016 to 2018
Term	APR¹ (as low as)	Monthly Payment²
24 months	5.450	$44.07
36 months	5.450	$30.17
48 months	5.450	$23.23

If you need financing for 2015 and older model year powersports, we’ll find a way. Call us or visit a branch locations for options.

Switch your loan to us and save.

Want to know how much you can save on your current loan at another lender? We have lots of options to lower your payments and pay less interest by refinancing your loan with us.

Trade in Your Loan

Still in research mode?

Try our helpful calculators to accelerate your decision. If you still have questions, just give us a call or stop by.

Finance your fun with a click, call or visit.

Apply Now

Visit Us

You can also call us at 920.830.7200 during business hours.

Auto Buying Service

Let us do the shopping for you.

Our complimentary, no-obligation Auto Buying Service makes the search for your next new or used vehicle easy. You tell us what you want and we take it from there.

How it works:

Provide details

Use the form below or call us at (920) 830-7200 to let us know about what you want.

Get pre-approved

That way we can make sure the vehicle meets your needs and budget. Apply Now.

Go for a spin

We find the best values matching your request and you get to take them for a test drive.

Sign and drive

We'll set up everything so you can drive away with your new vehicle.

Tell us how much you are looking to spend.

Budget Price Range:

Maximum Monthly Payment:

Tell us about the new or used vehicle you want.

Vehicle Type:*

Make & Model:*

Year:*

Type:*

New
Used

Color Choice:

Please describe any options or special features:

Trade-In [If applicable.]

Make & Model:

Year:

Condition:

ExcellentVery GoodGoodFair

Current Mileage:

Amount Still Owed:

Tell us about yourself.

First Name:*

Last Name:*

Day Time Phone:*

( ) -

Best Time To Call:*

Email:*

Security code:

Meet Marty

Community First Auto Buying Advisor Marty Thurber has over 30 years experience in working with auto dealers in Northeast Wisconsin. Since 2002, Marty has worked on behalf of Community First member-owners to find them the ride they want at the best value and a process that is simple.

NOTE: Community First Credit Union’s Auto Buying Service is a research concierge service for our member-owners. The service does not list or sell vehicles.

Vehicle Loans

Fast, local financing to get you on the road.

You’re in the driver’s seat.

Whether it’s time to find your next vehicle or get a better loan payment on an existing one, we’ll find a way to make everything comfortable for you with simple, speedy, WOW service.

Online, over the phone or in person.

No matter what route you take, talk to us before you start your search. We’ll get you behind the wheel quickly and even help you save money on interest with bi-weekly payments options.

Start by getting pre-approved.

Earn exclusive discounts off your loan rate.

Use our experts to find the right vehicle.

Relationships matter here.

Get our best rates when you have your checking with us and use services like Direct Deposit and AutoPay (scheduled loan payments).

If you have

Your discount

Competitive rates & flexible terms

If you need financing for 2015 and older vehicles, we’ll find a way. Call us or visit a branch location for options.

Switch your loan to us and save.

Want to know how much you can save on your current loan from another lender? We have lots of options to lower your payments and pay less interest by refinancing your loans with us.

We keep member-owners covered with:

Affordable warranty options

Coverage for the “GAP” between what you owe and your vehicle's value

Payment Protection to assist you when the unexpected happens

Looking to make a payment protection claim?

Calculate a vehicle payment.

Our helpful calculators are available to accelerate your decision. If you still have questions, just give us a call or stop by.

Rev Up Your Car Budget

Is this the year you rev up your car budget? If so, you have probably started looking at your finances, what you want, and what you can afford. So, what is best for you and your budget?

Ready to get started?

You can also call us at 920.830.7200 during business hours.

Affordable adventure awaits you.

When it comes to enjoying nature in everything from a fifth wheel to no wheels, we offer stress-free ways to get you camping or cruising quicker.

Get a great deal on the great outdoors.

We’re your personal guide to receiving the right payment and coverage option for your budget.

Easy pre-approvals for smarter shopping.

Lower payments with loan rate discounts.

Competitive rates & flexible terms for Boats & RV

We also offer options to get your payment lower by stretching out payments up to 180 months.

If you need financing for 2015 and older model years, we’ll find a way. Call us or visit a branch locations for options.

Competitive rates & flexible terms for Powersports.

Affordable financing options for serious “toys” – ATVs, campers, personal watercraft, snowmobiles and more.

If you need financing for 2015 and older model year powersports, we’ll find a way. Call us or visit a branch locations for options.

Switch your loan to us and save.

Want to know how much you can save on your current loan at another lender? We have lots of options to lower your payments and pay less interest by refinancing your loan with us.

Still in research mode?

Try our helpful calculators to accelerate your decision. If you still have questions, just give us a call or stop by.

Finance your fun with a click, call or visit.

You can also call us at 920.830.7200 during business hours.

Let us do the shopping for you.

Our complimentary, no-obligation Auto Buying Service makes the search for your next new or used vehicle easy. You tell us what you want and we take it from there.

How it works:

Provide details

Get pre-approved

Go for a spin

Sign and drive

Tell us how much you are looking to spend.

Tell us about the new or used vehicle you want.

Trade-In [If applicable.]

Tell us about yourself.

Meet Marty

Community First Auto Buying Advisor Marty Thurber has over 30 years experience in working with auto dealers in Northeast Wisconsin. Since 2002, Marty has worked on behalf of Community First member-owners to find them the ride they want at the best value and a process that is simple.

Home Equity Lines & Loans

Perfect for home improvements or debt consolidation.

Credit Cards

Choose the card that matches your lifestyle.

Homeowners Xpress

Quick and easy way to get same day money.