Mother father and toddler smile while unloading biking gear from new family vehicle financed with a Capital CU loan.

Vehicle Loans

Whether it's new or used, it's new to you. We'll get you where you need to go with our fast, locally serviced vehicle loans. Want a new snowmobile or RV for that outdoor fun, or a boat to explore the lakes and rivers of Northeast Wisconsin and beyond? Whatever the need, we can help make it a reality with our low rates, low monthly payments, and expert guidance that will get you in the vehicle that fits your lifestyle. 














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RATES

Check out our loan rates and find the terms that work best for you. We can also help with your auto loan refinance.

Northeast WI Signature Loans from Capital Credit Union

TRUSTAGE INSURANCE

Insurance designed for credit union members.


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RECREATIONAL

Looking for a motorcycle, ATV, or other fun recreational vehicle? We finance those too.












































The best is yet to come

Your Membership Comes With Amazing Perks

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Get started with

First-Time Auto Buyer Program

Your first auto loan is a big step and you should take that step with a trusted financial institution.

Let Capital Credit Union help with our First Time Auto Buyer program.  This loan type is designed for those who have little to no credit and are ready to purchase their first automobile.

  • Up to 100% financing
  • Maximum term of 60 months
  • Start establishing good credit
 
First time auto buyer getting handed keys to new red car financing with Capital CU.

Research with

Capital CarFinder

Capital CarFinder is a one-stop-shop for researching cars for sale. You can search the inventory of tons of local dealerships all in one place, get a free CarFax report after signing up to learn about the car’s history, calculate your car loan payment, and contact the dealership when you’re ready for more information.

Young man driving a sedan with female friend laughing, found the perfect car with Capital Carfinder.










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We Have You Covered

When life throws you a curve, we'll be there to have your back. The unexpected sometimes happens, but Capital Credit Union provides protection options so you can have the confidence your breakdown doesn't break your budget.
 
Man turning knob on navigation system driving with confidence knowing his car loan has guaranteed asset protection

We've got your back with

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) lives up to its name. If your car is totaled or stolen, but you still owe more on the loan balance than the insurance will pay, GAP coverage will pay the rest of the loan, up to 125%.
  • No separate payments; low cost can be rolled into auto loan
  • Pays difference between what insurance covers and what you still owe
Also included is our Auto Deductible Reimbursement benefit.
Extra coverage for mechanic breakdown available with Capital CU vehicle loans.

Extra coverage with

Mechanical Breakdown Protection

An extended warranty that will protect you from unexpected vehicle repairs.
  • Nation-wide coverage for mechanical breakdowns
  • Roadside Assistance
  • Protection plan options 
 
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Peace of mind with

Debt Protection

We offer a way to ease your financial burdens in case of need.
 


Don't take our word for it

Our Members Say It Best

Nicole was very helpful and professional. She helped me with an auto loan and I was in and out in 15 min* Great job!!


Connect With Us

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Schedule an appointment
Select the date, time, and location that works best for you to meet with us.

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Text us at 920.789.2464
Send in a message for a quick response from one of our team members.

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Call us at 920.494.2828

Give us a call to talk with one of our local Contact Center representatives.

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Visit us at any branch
Find the branch location closest to you and stop in for some popcorn.


TYPE OF LOAN TERM RATE
Auto / Motorcycle Loan 36-Month 4.44% APR*†
$29.73 monthly payment per $1000 borrowed
Auto / Motorcycle Loan 48-Month 4.44% APR*†
$22.78 monthly payment per $1000 borrowed
Auto / Motorcycle Loan 60-Month
 4.44% APR*†
$18.62 monthly payment per $1000 borrowed
Auto / Motorcycle Loan 72-Month
 4.44% APR*†
$15.85 monthly payment per $1000 borrowed
Auto / Motorcycle Loan 84-Month
 5.44%  APR*†
$14.35 monthly payment per $1000 borrowed
Monthly payment is based on payment per $1,000 for term and rate shown above


Rates effective 7/1/2025
*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. All loans are subject to approval.
†Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
Other rates and terms are also available. Contact a Member Service Representative to ask about membership relationship pricing  or to apply 920-494-2828 or toll free 800-728-4294.

















































*Actual appointment times may vary

 



Check out our blog

Capital Off the Cuff

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Puppy in car looking out the window.
Vehicle

Should I Auto Finance With a Credit Union or Dealership?

Discover a world of options with Capital CU auto finance. Get low rates, convenience, and protection whether you choose credit union or dealership financing.
Lady smiling in new car.
Vehicle

Is It Better to Get an Auto Loan With a Private Lender?

Discover whether a private lender is right for your next auto loan or if there is a better option, such as a Capital auto loan from Capital Credit Union.
Man sitting in his new car holding the keys.
Vehicle

5 Benefits of a Credit Union Auto Loan

A credit union auto loan is often the most cost-effective loan choice, as credit unions offer lower interest rates and fees and added benefits for members.