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Auto Loans and Rates

Whether purchasing or refinancing a vehicle, you can save a lot of money with the low interest rates at Star One Credit Union.

Get the same low auto loan rate, even on longer terms

Unlike other lenders, Star One offers you the same rate you qualify for, whether you choose a 3-year auto loan or 7-year financing.

Car loan rates as low as 2.39% APR*

  • Take your instant online preapproval to a dealership
  • Low-rate loans with up to 100% car financing** (purchase price plus tax, license and service contracts)
  • Up to 7 years car financing

* Your APR based on credit qualification. Promotional and discounted rates do not apply to loan modifications or refinancing of existing Star One loans.
** The amount financed may vary based on final approval conditions.

At Star One, you'll find very competitive low fixed interest rates for new and used vehicles with extended loan terms and full financing. We even offer financing on used vehicles up to 10 years old.

Submit an Online Loan Application to get a decision in minutes; or visit a Credit Union Direct Lending (CUDL) dealer to obtain a Star One auto loan right at the dealership.

New Car Loans

Up to 100% financing** over 7 years on new-car loans.

New Car Loan Rates

Used Car Loans

Low interest rates on used cars less than 10 years old.

Used Car Loan Rates

Tesla Financing

Up to 100% Tesla financing** with terms up to 7 years for this signature electric car!

Tesla Loan Rates

Classic Car Loans

Financing for classic cars listed in the Cars of Particular Interest Price Guide (CPI).

Classic Car Loan Rates

Car Loan Refinance

Let Star One's lower interest rates help you reduce your car-loan payments!

Car Loan Refinance Rates

Apply for a Car Loan

Quick car financing and preapproval

  • Members and non-members. Apply for a Star One car loan online for an instant preapproval.

    Online Loan Application

Enterprise referral program

Browse more automobiles

  • More quality cars are available at competitive prices on our AutoSMART web site.

    Browse Car Listings

Major Mechanical Protection provides financial protection against the costs associated with many mechanical breakdowns that normally fall outside of the manufacturer's warranty, and/or after the warranty has expired. Most people own their vehicles far beyond the terms of the factory warranty. Without Major Mechanical Protection (MMP), you may experience costly repairs and decreased resale or trade-in value of your vehicle.

With the average family driving 18,000 to 20,000 miles per year, the vehicle may be out of manufacturer's warranty in less than two years. MMP covers the costs of many major repairs, such as the engine, transmission, drive axle, fuel delivery system, and electrical, just to name a few.

View our Major Mechanical Protection PDF brochure.

Vehicle Coverages

MMP is available on new and used vehicles. Deductibles range from $0 to $50 to $100. Four different plans are offered:

  • Platinum
  • Gold
  • Silver
  • Copper

New Vehicle Eligibility Guidelines

  • Current model year plus 4 previous years
  • Vehicles outside manufacturer's warranty or purchased more than 21 days ago will be subject to a 30-day and 1,000-mile claims waiting period
  • Up to 90,000 miles

Used Vehicle Eligibility Guidelines

  • Platinum, Gold and Silver coverage—Current model year plus 9 previous years and up to 150,000 miles
  • Copper coverage—Current plus 14 prior model years and unlimited mileage (vehicles older than 10 model years are subject to exception review). Maximum claims payout $3,500
  • Vehicles outside manufacturer's warranty or purchased more than 21 days ago will be subject to a 30-day and 1,000-mile claims waiting period

Exclusions and deductibles may apply.

Guaranteed Asset Protection (GAP) with PowerBuy covers the difference between your loan balance and the amount your insurance policy would pay out if your vehicle were to be damaged beyond repair ("totaled") or stolen and never recovered. Your insurance policy will pay you the cash value of the vehicle, while GAP coverage is paid when the loan balance is higher than the vehicle's actual cash value paid by your insurer.

In addition, with PowerBuy, you may be eligible for up to $6000 toward the financing of a replacement vehicle (autos and motorcycles) if the vehicle is financed through the Credit Union within 90 days of settlement. See our GAP PowerBuy PDF brochure.

For boats and recreational vehicles, the benefit is up to $1000 toward the financing of a replacement vessel/vehicle if the vehicle is financed through the credit union within 90 days of settlement.

View our Guaranteed Asset Protection PDF brochure.

Protection Benefits

  • Protects your credit rating
  • Eliminates or reduces out-of-pocket expenses for the remaining loan balance after a loss settlement
  • You may purchase a replacement vehicle sooner because there is little or no carry-over balance
  • Maximum benefit:
    • Motorcycles: $50,000
    • Automobiles: $100,000
    • RVs and boats: $125,000
  • May be purchased up to one year from effective date of loan

Exclusions and deductibles may apply.

Credit Life and Disability Insurance protects your loan. Even if you have life insurance, other unfortunate circumstances could impact your monthly income. Having the peace of mind that your loan payment will be made, should you become disabled due to injury or illness, is worth the minimal cost added to your loan payment.

View our Credit Life and Disability PDF brochure.


Maximum Coverage Limits

Level Rate Disability Life
Coverage Amount Unlimited $50,000 per loan
Termination Age 70 70
Coverage Duration 120 months 120 months
Monthly Benefit Amount $750.00 per loan Not applicable

Who is Eligible and How Much Does it Cost?

Level Rate Disability Life
Eligibility Age Under age 70 Under age 70
Working Requirements Actively at work a minimum of 30 hours per week on the loan advance date Not applicable
Single Rate $2.00 per $1,000 per month $0.69 per $1,000 per month
Joint Rate Not applicable $1.16 per $1,000 per month