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Centra Credit Union auto loan rates compared

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Indiana · Headquarters Indiana

Columbus, IN-based credit union; membership required

Rate page on centra.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.

3.99%NewTerm not listed

INChecked Nov 11, 2026

What the lender published

Special auto loan offer, as low as; includes a 0.25% discount for automatic payment from a Centra checking account. For applications from October 1 through December 31, 2026, closing by January 15, 2027. Not available for loans arranged at a dealership. The rate varies by term, credit, and vehicle age.

Checked Nov 11, 2026Source centra.org

UsedUsed car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.Promo ratePromo rate: A promotional rate the lender may end at any time.

3.99%UsedTerm not listed

INChecked Nov 11, 2026

What the lender published

Special auto loan offer, as low as; includes a 0.25% discount for automatic payment from a Centra checking account. For applications from October 1 through December 31, 2026, closing by January 15, 2027. Not available for loans arranged at a dealership. The rate varies by term, credit, and vehicle age.

Checked Nov 11, 2026Source centra.org