Auto Loans

Auto Loans

Financing options for your new or used vehicle with competitive rates,
quick processing, and terms that best fit your needs.

Fast Lane Auto Loan Pre-Approval

Walk into a dealership literally with a check in hand, ready and able to make a deal. You’ll have the confidence of knowing your financing is already in place - reducing stress and helping you make a decision you’ll be happy with.
Learn More ►

Flex Auto Loan

The Flex Auto Loan helps you get the car you want with financing that works for you: lower monthly payments than conventional loans and financial flexibility.
Learn More ►

Ready, Set, Roll Financing

Your one-stop car buying experience. Get Cinfed financing for your new vehicle through our dealer partners without having to go to a branch – all the paperwork gets done right there.
View list of participating dealers. ►

Protection for your new wheels
Get started with an estimate.

Guaranteed Auto Protection

If your vehicle is stolen or totaled in an accident, GAP can waive all or part of your remaining loan balance

Debt Protection

Have the option to suspend your loan without penalty or added interest in the event of a major life event.

Depreciation Protection

DPW works as the counterpart to GAP, helping protect your investment.

Mechanical Breakdown Protection

Nationwide coverage, 24-hour roadside assistance, and protection from unexpected repair costs.

Deductible Reimbursement

Deductible can waived if you have purchased GAP, Mechanical Breakdown Protection, or Depreciation Protection.

Shopping Resources
Tools to guide you through the auto buying experience from start to finish.

Family Traveling
Vehicle Research

All the details you need for the model you're shopping for - specs, safety, design options, and a list of the best incentives in your area.

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Family Traveling
Build Your Own

Select the trim, style, color, and features for the make and model of your choice - and see an estimated MSRP based off your design.

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Family Traveling
Find a Make & Model

Search by make and model or vehicle type to find available listings near you. View listings from our partners at Enterprise, here.

Get Started

Family Traveling

Determine the vehicle price that is the best fit for your needs, and the monthly payment you should expect with your purchase.

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Family Traveling
Vehicle Value and History Checks

How "used" is that used car? Use these guides from CARFAX® and NADA for help in determining service value and history.

Family Traveling

Our competitive rates and comprehensive coverage options help assure your investment is protected.

Get Started

Learn with Us
Tips and tools to help you reach your financial goals.



It’s Your Vehicle – Protect Your Investment
You put a lot of time, effort and emotion into this vehicle – so you should protect your investment.
Read more ►


Car Loans
Learn about the steps you need to take to apply for a
car loan and how to c
alculate your payments. Get started ►

Lock in your best Rate
Loan rates for new and used cars and trucks as low as 2.24% APR*.

2020 & Newer 84***
2016 - 2019 84***
2015 & Older 63**
***84 months available for loans over $25,000; rate will vary
**63 months available for loans over $20,000; rate will vary

Get the answers you're looking for.

Give us a call at 513-333-3800 or send a message to loans.cu@cinfed.com

*APR= Annual Percentage Rate; 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.
**Up to 63 months available for loans over $20,000; Rates subject to change; 63 monthly payments of $18.40 per $1,000 borrowed at fixed APR of 5.59% on 2015 and older vehicles. ***Up to 84 months available for loans over $25,000; Rates subject to change; 84 monthly payments of $13.69 per $1,000 borrowed at fixed APR of 3.99% on 2020 and newer vehicles; 84 monthly payments of $14.16 per $1,000 borrowed at fixed APR of 3.99% on 2016 - 2019 vehicles. APR used in example is based on “Tier 1” credit and may not apply to all.


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
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

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