Stop daydreaming and start driving! Our low auto loan rates and flexible vehicle financing options make it easier for you to afford the car or truck you want. There’s no loan application fee and we’ll help you with every step of the process, so you’ll be driving off into the sunset before you know it! 

Refinance The One You’ve Got


If you love your current car or truck, but not the amount you’re paying each month, Centra can help.


  • Save $25 or more per month on your auto loan payment*
  • No closing costs, guaranteed!

Contact us and start saving today. 

Find the Right New or Used Vehicle

We offer research tools to help you find the perfect car or truck! Visit our partner, CarQuotes.com, to find expert reviews, side-by-side comparisons and know-before-you-go pricing on new and used vehicles.

Hit the Road with Confidence

You’re probably a great driver, but life happens to even the best of us. Protect yourself from the unexpected with one of our auto loan protection options.

  • Centra Debt Protection Program. You won’t have to worry about delinquency, default or foreclosure of your auto loan if you experience a protected life event like involuntary unemployment, disability, or loss of life. Centra’s Debt Protection Program can cancel your loan balance if these unfortunate circumstances occur.
  • Guaranteed Asset Protection (GAP). Even if your loan balance becomes higher than your vehicle’s value (which can happen as a car or truck’s value declines), you won’t have to worry about financial loss or liability with this protection. GAP coverage can take care of the difference between an insurance reimbursement and your outstanding loan balance.
  • Mechanical Repair Coverage.  Extended warranty coverage is available to enhance your vehicle’s mechanical protection and protect you from unexpected expenses.

Get In the Driver’s Seat! Apply Today.

There are 3 easy ways to apply for your auto loan:

Apply online for a new auto loan

Apply for a used auto loan

Contact us

Visit your local Centra branch

*All loans subject to credit approval. Normal underwriting guidelines apply. Minimum loan amount is $7,500, and must be a new loan to Centra Credit Union. Standard loan terms apply (for applicable model years) plus 6 months. Rate will vary by the term of the loan and your credit score. Automatic payment from Centra Credit Union checking account required. $25 savings assumes no change from current loan balance.