Cinfed Auto Loan Interest Rates

Auto Loan Interest Rates

Cinfed offers vehicle loans for all new and used cars and trucks. Apply for financing at Cinfed before you shop. By knowing you're pre-approved, you can negotiate a "cash price" and take advantage of the manufacturer's rebates.


Car loans as low as 2.24% APR1
YEAR Months
2019 & Newer 84***
2015-2018 84***
2014 & Older 63*

No downpayment option available, based upon review of credit history. Annual Percentage Rate is based on credit history, vehicle year and term of loan. There is no application fee when applying for an auto loan. Loans are subject to credit approval. Call 513-333-3800 and ask to speak to a loan specialist. Or click to apply online.

Purchasing a vehicle is a big commitment. Keep your investment safe with Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP).

1APR = Annual Percentage Rate; rates may vary; Annual Percentage Rate is based on credit history, vehicle year and term of loan. APR shown is for qualified buyers and reflects loan amounts up to 125% of the retail value.

*** 84 Months available for loans over $25,000; rate will vary; 84 monthly payments $13.69 of per $1,000 borrowed at fixed APR1 3.99% on 2019 and newer vehicles; a minimum of $25,000 loan amount is required. 75 Months available for loans over $20,000; rate will vary; 75 monthly payments of $15.23 per $1,000 borrowed at fixed APR1 4.24% on 2015-2018 vehicles; a minimum of $20,000 loan amount is required. *63 Months available for loans over $20,000; rate will vary; 63 monthly payments of $18.40 per $1,000 borrowed at fixed APR1 5.59% on 2014 and older vehicles; a minimum of $20,000 loan amount is required.

Rates accurate as of Wednesday, Nov 25, 2020


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast

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