*APR = Annual percentage rate. Rates effective as of 12/4/2024 and subject to change without notice. On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate. Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models. Payment example: $20,000 loan amount with a 63 month term at 5.24% APR* would have monthly payments of $363.83 or $18.19 per $1,000 borrowed.
Loan Protection
Guaranteed Asset Protection (GAP) – GAP is designed to cover the remaining loan balance that your insurance will not cover if you are in an accident. You may also receive $1,000 towards your next purchase when you finance it through the Credit Union.
Mechanical Breakdown Protection (MBP) – MBP gives you peace of mind as it covers repairs to mechanical parts of your vehicle that break. Four levels of coverage (Platinum, Gold, Silver, and Copper) are available to safeguard you against expensive repairs. Additionally, it includes Roadside Assistance, Rental Vehicle Assistance, Tire Road Hazard, and Trip Interruption.
Credit Disability and Credit Life Insurance – Your loved ones come first, but if something were to happen to you, paying your debts could make a hard situation even tougher. Credit Disability and Credit Life Insurance could make your loan payments in the event of a covered disability or death. Contact a Class Act Representative today for more information.
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional to purchase 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 your loan representative or refer to the Group Policy for a full explanation of the terms. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992. VT only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. Only a licensed insurance agent may provide consultation on your insurance needs.
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Serving People, Not Credit Scores
Bad credit or no credit? No worries! We're here to get you a loan with the best rate possible so you can have an affordable payment and build your credit score by paying your loan back. At Class Act, you're more than just a number.
Ready to Get Pre-Approved?
Buy with confidence by getting pre-approved first to make sure your payments match your budget. Click here to get pre-approved.
Interested in Refinancing Instead?
Refinancing a vehicle is a fast, simple process with no closing costs that can save you up to thousands of dollars over the life of the loan. If you already have an auto loan elsewhere contact us today to see what we can do for you. Click here to refinance your vehicle with us.
Empower Your Ride: Hassle-Free Car Buying with Class Act's Auto Advisors
Navigating the world of car buying doesn't have to be overwhelming. With our compassionate Auto Advisors by your side, you can transform the car purchasing journey into a stress-free experience. They're here to guide you through every aspect of the process— from understanding trade-in values to grasping financing options. Our advisors are committed to ensuring you achieve the best deal possible while gaining valuable insights into the buying process.
Choosing our Auto Advisors means choosing peace of mind. We'll stand by your side throughout every step, from negotiating with dealers to auditing your final purchase transaction. Our mission is simple: to empower you with the best options, so you can drive away feeling secure and informed. Partner with Class Act today and make car buying a joyful milestone.
The New Way to Buy a Car
- Find vehicles sold by our preferred dealers.
- See what others paid for the car you want
- Receive free price and market reports
- Virtual test drive of the car you want
Additional Benefits
When you use our car buying service, you'll get additional benefits with a 3-year membership of My EZ Car Care.
- Auto discounts on repair, service and maintenance at over 10,000 locations nationwide
- Travel discounts
- Car rental discounts
- Amusement park discounts with mobile app
- Roadside assistance
And more!
Our Rates
| MODEL YEAR | UP TO 48 MONTHS³ | 49-63 MONTHS² | 64-75 MONTHS | 76-84 MONTHS¹ |
|---|---|---|---|---|
| 2022 or newer | 4.99% APR* | 5.24% APR* | 5.49% APR* | 5.99% APR* |
| 2017 - 2021 | 5.49% APR* | 5.74% APR* | ||
| 2016 or older | 5.99% APR* |
*APR = Annual percentage rate. Rates effective as of 12/4/2024 and subject to change without notice. On approved credit. Terms and conditions apply. Creditworthiness, age and mileage of vehicle, value of collateral, and loan amount can affect offered rate. Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models. Payment example: $20,000 loan amount with a 63 month term at 5.24% APR* would have monthly payments of $363.83 or $18.19 per $1,000 borrowed.