Auto & RV Loans

 

Ready for a new ride? Turn to us for your next new or used vehicle loan.

Across America, drivers dream about cruising the open road. In North Dakota, no dreaming is necessary for our credit union members. We've got miles and miles of traffic-free highways, country lanes and state routes. And they're all waiting for that great car, SUV, pickup, motorcycle, ATV or RV that Capital Credit Union is geared up to help you finance. 
 
Rates Apply

Click here for vehicle values from the National Automobile Dealers Association.

Life in the fast lane? That's not how most people would describe North Dakota. Capital Credit Union takes pride in our speedy auto, boat and recreational vehicle loan process. Our lending experts will help you with your online or in-person application, walk you through the financing process and let you know about low-cost ways to protect your investment. Before you know it, you'll be driving off in the vehicle of your dreams.


Auto Loans

  • Buy yourself some time by locking your rate for 6 months5
  • Rates as low as 2.99% APR1
  • Choose from a wide range of repayment terms
  • Fast, friendly, efficient and local service

Recreational Vehicle, Boat & Motorcycle Loans

  • Buy yourself some time by locking your rate for 6 months5
  • Rates as low as 3.99% APR1
  • Personalized local service
  • Free estimates on interest rates and monthly payments
  • Rate discounts for autopay and active Capital Credit Union checking account.2
  • Financing for RVs and boats up to 15 years3
  • Monthly, semi-monthly, payroll deduction and automatic payment options

Affordable Warranty Packages & Protection Plans

  • Route 66 for autos, motorcycles and ATVs: From mechanical fixes to major repairs, this comprehensive warranty provides all of the coverage you need without the high price tag.4
  • Guaranteed Asset Protection (GAP) for autos, motorcycles, ATVs, campers, boats, jet skis and snowmobiles: If your vehicle is stolen or damaged beyond repair, GAP pays the difference between your loan balance and the amount you receive from insurance.
    • Includes Auto Deductible Reimbursement (ADR): Pays up to $500 per loss (unlimited losses per year) when a loss is filed and paid by the auto insurance company for a covered auto the member owns or leases as evidenced by the title, registration or loan document, and is insured under an auto insurance policy designating the member as the named insured. If the member suffers a loss during the benefit period which is covered by the member's auto insurance policy, the member may be entitled to reimbursement of the auto insurance policy deductible amount up to $500 per loss. To be eligible for reimbursement, the member must own or lease and insure the covered auto under an auto insurance policy designating the member as the auto policy named insured.
Disclosures:

1Rate accurate as of July 22, 2022, and subject to change without notice. Annual Percentage Rate of 2.99% available up to 36 months at $29.08 per $1,000 borrowed per month for qualified borrowers. Annual Percentage Rate of 3.99% available up to 36 months at $29.52 per $1,000 borrowed per month for qualified borrowers. Rate reflects a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Rates vary based on loan term and credit history/qualifications. All loans subject to credit approval. Fees may apply. Cannot be combined with other discounts or offers. Subject to change at any time and without notice.

20.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account.

3For loan amounts of $25,000 or more; other terms available based on application qualifications.

4Warranty packages are an additional cost.

5Effective 7/1/2022; applies only to auto and recreational vehicle loans. Maximum Interest Rate is the rate established at application, subject to loan approval and the execution of an agreement to lock the rate. The Maximum Interest Rate may vary based on credit qualifications and other factors as established by the Credit Union, and it will be the current rate the member qualifies for at the Credit Union at the time of application plus 0.50%. The Maximum Interest Rate is locked for 180 days from loan approval. The Maximum Interest Rate will include all applicable discounts which may include a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Cannot be combined with any other offer. The Credit Union may revoke the Maximum Rate Lock at any time before loan closing. Final rate will be the lower of the standard current rate at loan closing or the Maximum Interest Rate. Does not apply to indirect loans. All loans subject to credit approval at time of application. Fees may apply. Programs, terms and conditions are subject to change without notice. 

When you borrow from Capital Credit Union, you pay interest on the unpaid loan balance. There are no penalties for paying off your loan early. Payment by payroll deduction is also available. Credit Life and Credit Disability Insurance are both offered at a low rate. 

Proof of Insurance is required for auto, boat, camper, motorcycle, ATV, and snowmobile loans. Questions? Please call 877-702-6268.

View Consumer Loan Disclosures