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Auto Loans

CSE Credit Union offers highly competitive rates on all of our auto loans. Whether you are shopping for a new or a used vehicle, we’ve got the loan for you.

125% Financing

Purchase your car with no down payment. We’ll finance up to 125% of the selling price including Tax, Title, Warranty and Conveyance Fees.

Flexible Terms

You pick the term that fits your needs. We have options from 12-72 months.


CSE can pre-approve your loan before you start shopping. By knowing exactly how much you can afford for your car, you’ll be in the driver’s seat when negotiating with the dealership.


Refinancing your auto loan from another lender could save you hundreds of dollars in interest or lower your monthly payments. Talk to us to compare financing.

Impaired Credit

Even if your credit is less than perfect, you can finance the purchase of your new or used car with the credit union. Submit your application and we will do our best to qualify you for a loan at a fair rate of interest. Check out our rates.

Automatic Payment

State employees can sign up for direct payment for worry-free, bi-weekly payments. Non-state employees can also sign up for automatic payment from their CSE account.

Guaranteed Asset Protection (GAP) 

If the vehicle you financed through CSE Credit Union is in an accident or is stolen, your primary insurance carrier will only cover the actual market value of the vehicle at the time of the loss. Guaranteed Asset Protection (GAP) helps protect your loan against the unforeseen by cancelling the difference between the vehicle's value and the balance of your loan.

  • Available for a one-time fee of $280 (dealerships usually charge been $399 and $599)
  • Can be purchased during or after your loan is funded
  • Cost can be rolled into your loan amount
  • Can cancel GAP for a full refund within the first 90 days

Click here for more information on our GAP product. To apply for GAP protection, contact any of our office locations.  

Your purchase of MEMBER'S CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact any of our office locations or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.  

Auto Loan Application Process

To apply for an auto loan, print a loan application and mail or deliver it to any branch location. Please include your mortgage/rent payment on the application and submit it with a copy of your most recent paystub. The latest version of Adobe is needed to print your application.

Loan Application

Certain restrictions apply. All rates are subject to change without notice. Cannot be applied toward existing loans. Cannot be combined with any other offer. Used cars: up to 6 model years.