Auto

Auto Loans

New! Cash For Clunkers - check that interest rate on your Loan!

Did you trade in your Clunker this past weekend? If so, congratulations on your new car and thanks for helping out America’s economy!

But in the excitement of getting such a great value on your trade-in AND purchasing your new car – did you get the best interest rate on your loan?

When you receive your coupon book and final papers from the dealer review your loan papers. If you think you deserve a better interest rate on that new car loan – contact us. Switch that car loan to us and Ditch that high interest rate!

CPCU’s current Switch & Ditch promotion offers auto loan rates as low as 5.99%. If you have good credit and meet other qualifying factors you could get a great low rate. Even if your credit history is not perfect, we still want to look at your loan – we may be able to reduce your interest rate and save you money*. If you would like us to review your loan contact us today! For information on how the "Cash for Clunkers" government program works go to www.cars.gov the Department of Transportation's official website.

Invest in America - discounts for Credit Union Members

GM & Chrysler are offering additional discounts on their vehicles for credit union members through the "Invest in America" program. (Ford may join in the program soon.) We strongly encourage members to get your auto loan PRE-APPROVED with Carolina Postal Credit Union before visiting the dealership. For more information on the Invest in America program click here.

New and Used Vehicle Loans

Whether you are shopping for a new or used vehicle, financing your loan at Carolina Postal Credit Union is your ticket to a substantial cost savings. We offer great low rates and convenient payment terms. Contact us to let us show you the cost savings difference of financing your loan at the Credit Union.

For our Auto Loan Calculator & Online Lending Site* - Click here!

To Apply for a CPCU Loan Click here! For the free Credit Union Auto Buying Service - Click here!

Car shopping in the evening or during the weekend? Call our 24-Hour LoanLink Center at 1.866.376.8491*

*Please Note: To process your 24-hour LoanLink Center loan and/or your Online Lending Site, additional information will be needed, including your most recent pay stub and a completed (and signed) credit application. Your signature on our Loanliner application(s) and additional disclosures will also be required before funding the loan. You will hear back from us within 2 Business Days on the 24-hour Loanlink Center and Online Lending Site.

Switch to Carolina Postal and Ditch that high interest rate!

Bring us your auto loan from another financial institution and we'll switch it over to Carolina Postal. No hassles. No fees. No problem! Forget that high interest rate, we'll reduce your current rate by 2% and give you $50 cash on the close of the loan to help you with your next fill-up! Got a low rate already? If we can't lower/match the rate, switch it to us and we'll let you skip the first two months' payments! The minimum loan amount we can finance is $5,000. For the current minimum APR click here. Call one of our friendly Account Managers today or click here to apply. This offer cannot be combined with any other offer and is for a limited time only. Certain restrictions may apply. Loans are subject to credit approval.

Save some $$$ and help Save the Earth with the CPCU Hybrid Auto Loan!

Check out the CPCU Hybrid Auto Loan. Buying a hybrid or alternative fuel vehicle is a smart choice, and with CPCU's new program it just got even smarter! CPCU members purchasing a hybrid or alternative fuel vehicle now get a 1% discount off our already low auto rates! And when you close on your Hybrid Loan, CPCU will donate a "Gift of Green" in your honor from BeGreenNow.

This Gift of Green will plant a tree in your honor in the Kootenai National Forest in Montana. With your hybrid loan, you may even qualify for a tax credit. For details and eligible vehicles, visit the IRS website at www.irs.gov. To apply for a loan, simply click here, call 1.800.865.0445 or stop by your nearest branch.

Subject to credit approval, 6.99% is floor rate for this offer, limited offer cannot be combined with any other offer. Available on new Hybrid/Alternative fuel vehicles as listed by IRS. Must be previous, current or upcoming year model. and search for "Hybrid Vehicles." For more information on Carbon-Friendly options visit www.BeGreenNow.com.

I love My Hoopty!

At some point in our lives, we've all needed a

hoopty. Maybe it's for a second job, a rural route, or your teen-ager's very first car. If you're hoopty-ready, we can help. Whether you have great credit, shaky credit or if you're a first-time borrower, we have options for you.
Four ways to finance your Hoopty at CPCU:

Great Credit? Personal Loan
OK Credit? Personal Loan, Share-secured Loan, or Co-maker Loan
Shaky Credit? Shared-secured Loan or Co-maker loan.
Teenager's first car? Share-secured loan, or installment loan co-signed by a parent, grandparent or guardian

If you currently own a hoopty, have owned a hoopty, or have a funny hoopty story to share - be sure and check out the "I love my Hoopty" Blog. Just click here to read our members' stories about their hoopty, view favorite hoopty photos and listen to our very own "I love my Hoopty" Rap & Dance Tune!

To qualify for a hoopty loan you must have a sense of humor and an appreciation of hooptys. Loans are subject to credit approval and cannot be combined with any other offer.

Credit Union Auto Buying Service

No Time to Look for a Car? Hate the Hassle? Want to Save Money?
Use Carolina Postal Credit Union's Free Auto Buying Service! Get your auto loan pre-approved through CPCU and then CUABs can:

Search for the car you want
Negotiate the deal, which could save you thousands of dollars
Deliver the car to your home, office, or CPCU Branch (Limited delivery area)

And the Credit Union Auto Buying Service is free!

Link to CUABS - Click here!

To Apply and get your Pre-approved Auto Loan - Click here!

Need to Check out the value of your current Car?

*Rate subject to change. This offer cannot be combined with any other offer. Certain Restrictions may apply. This is NOT a pre-approved offer. Loans are subject to credit approval. Your loan rate may be higher than the advertised rate due to your credit history and qualifications. This is a limited time offer and cannot be combined with other offers.