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New & Used Auto Loans

Drive Off with a Great, Low Auto Loan Rate

Apply Now Check the Rates

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upgrade your ride

have your eye on some new (or new to you) wheels?

Buying a car can feel overwhelming, but Charlotte Metro’s new and used auto loan program takes the hassle out of financing.

  • Terms up to 84 months
  • 100% financing for qualified borrowers
  • Optional coverage and protection
  • Used cars up to 10 years old
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auto loan add-ons

protecting your ride

When you apply for your Charlotte Metro vehicle loan, you have the option to add on these additional benefits to keep you and your ride protected.

check the rates

drive away with change to spare

New and used auto loan rates as low as:

not sure what to do?

new purchase vs. refinancing

Not sure if a new purchase or a refi is right for you and your current financial situation? Ask yourself these questions. Oh - if you do purchase a new (or new to you) vehicle, you can always refinance your auto loan with Charlotte Metro and receive the same great rates!

Refinance
Purchase
do you love your current vehicle and is it in good condition?
Included
are you looking for ways to lower your monthly payments?
Included
has your credit improved since the last time you purchased a vehicle? Why does this matter? If your credit has improved, you'll likely be able to qualify for a better interest rate, meaning lower monthly payments!
Included
Included
do you have a growing family, new job and / or commute, or another reason you need a different vehicle?
Included
are you prepared to pay up-front costs like dealer fees and sales tax?
Included
new (to you) cars
new (to you) cars

need some help finding your next used vehicle?

Charlotte Metro and CUABS have partnered to make buying a car hassle-free and less time-consuming for our members. With a vast selection of used vehicles, exceptional car care, and a no-pressure atmosphere, CUABS can even save you thousands of dollars with its volume-buying power. Interested?

new (to you) cars
Start Calculating

craft your loan payment

Simply drop in your best estimates and click Calculate. Not quite where you want your payment to be? Make any adjustments needed and hit Calculate again to update.

craft your loan payment

Simply drop in your best estimates and click Calculate. Not quite where you want your payment to be? Make any adjustments needed and hit Calculate again to update.

learning & guidance

resources to help with your auto loan

ok, so here's the fine print:

Let's Get Started

applying for your new or used auto loan

i'm a member

Already a member? Follow these simple steps to apply for your auto loan.

  • Log in to Online Banking
  • Navigate to the Loans tab
  • Select Apply for a Loan in the dropdown menu to get started

Log In

i'm new here

Here’s what you’ll need to get started:

  • Proof of Identity (current driver’s license or state-issued ID)
  • Social Security Number
  • A minimum opening balance of $5
  • The routing number and account number of a valid checking account, debit, or credit card

Apply Now