Auto Loan Rates

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New 2024 - 2023
Vehicle Year Loan Term APR AS LOW AS* LOYALTY APR AS LOW AS*
2024 - 2023 up to 65 6.59% 6.34%
2024 - 2023 66-72 6.79% 6.54%
2024 - 2023 73-84** 7.34% 7.09%
Used 2022 - 2021
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2022 - 2021 up to 65 6.74% 6.49%
2022 - 2021 66-72 6.89% 6.64%
2022 - 2021 73-84** 7.69% 7.44%
Used 2020 - 2019
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2020 - 2019 up to 60 7.24% 6.99%
2020 - 2019 61-66 7.34% 7.09%
2020 - 2019 67-72 7.44% 7.19%
Used 2018 - 2016
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2018 - 2016 up to 60 7.34% 7.09%
2018 - 2016 61-66 7.49% 7.24%
2018 - 2016 67-72 7.74% 7.49%
Used 2015 and older
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2015 and older up to 36 9.19% 8.94%
2015 and older 37-48 9.24% 8.99%
2015 and older 49-60 10.89% 10.64%
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*Annual Percentage Rate. Rates effective as of October 2, 2024, and subject to change without notice. Final rate determined by credit score, vehicle age and loan term. Member Loyalty Discount of 0.25% APR requires maintaining direct deposit to a Cobalt checking or savings account. Loyalty discount is only available on new money new loans. Cobalt Credit Union refinances do not qualify for the loyalty discount. Indirect loans are not eligible for the loyalty discount. Other terms and conditions may apply. Financing on 79-84 month terms available on loans exceeding $30,000 only. Loan example: $30,000 loan with a 48-month term and 9.89% APR is $823.60, excluding the $40 loan processing fee or any additional loan vehicle coverage options.

**79 - 84 months financing available on loans exceeding $30,000 only.