Vehicle Loans

City of Boston Credit Union offers several financing options to meet your vehicle financing needs for both cars and motorcycles. If you've got plans to purchase a New or Used Vehicle or Refinance your current auto loan from another institution, be sure to check out your financing options from us!

When you're out shopping also keep in mind that you can take the manufacturers rebates from the dealer and still get a great rate by financing with us.  You can even get pre-approved by us before you go shopping - it's easy, just click on Apply for an Auto Loan to the left. 

Our financing options include terms up to 84 months for new vehicle purchases and up to 72 months for used vehicles that are six (6) model years old or less or up to 60 months for used vehicles that are seven (7) or eight (8) years old.   You can borrow up to $75,000 for a new vehicle or up to $50,000 for a used vehicle.

Qualified borrowers can also choose to add on tax, title, warranty or GAP (Guaranteed Asset Protection) insurance coverage costs into their financing.

We have options for extended warranties** that are much more cost effective than the dealership. We also offer Guaranteed Asset Protection (GAP) Insurance Coverage, which helps protect you against financial loss in the event the vehicle is totaled or stolen and deemed a total loss.***

**Extended Vehicle Warranties are a purchase option offered through Auto Exam Automobile Services.

***Guaranteed Asset Protection (GAP) Insurance Coverage is a purchase option offered through Frost Financial Services.

Recreational Vehicles

City of Boston Credit Union also offers financing for New/Used Recreational Vehicles (RV’s), trailers, campers and boats up to $100,000. 

What You Need When Applying for a Vehicle Loan

  1. Purchase and Sales Agreement
  2. Copy of Window Sticker (only if it's a new)
  3. Copy of the title is required (if vehicle is used, additionally, no salvaged or reconstructed vehicles/cycles will be financed.)
  4. RMV-1 Form
  5. Current Pay Stub
  6. Insurance Binder

Check our current rates

Car Buying Research Resources

AutoSmart Program

Aside from financing your new or used vehicle with City of Boston Credit Union, you can also do your research using our tools and resources found on our AutoSmart page.  Here you can:

  • Research and compare new and used vehicles by searching inventory at local participating dealers for the make, model and options you're looking for
  • Order a history report on a used vehicle 
  • Do a lemon check
  • Get an estimate of the value on your trade-in

Enterprise Car Sales

You can learn more about Enterprise Car Sales already low, no-haggle pricing of the nation's best selection of quality used vehicles by visiting