Vehicle Loans
auto RATES as low as 4.99%*
Purchases, refinances, and lease buyouts.
New or Used
Get Pre-Approved First
Dealers or Private Sales
Refinance your auto loan with Towpath Credit Union and drive into a future of savings and smarter financial choices. Enjoy lower rates, flexible terms, and exceptional Member service that sets us apart from other lenders.
Buyout Your Lease
Keep Your Vehicle
Take Advantage of Towpath CU Interest Rates
No Credit-Impact**
You could get approved for an auto loan purchase or refinance without it impacting your credit!**! This way, you can find out which terms and rates you're eligible for without a hard credit inquiry, which could unnecessarily lower your credit score. If you decide not to move forward with the loan, we don't move forward with the inquiry!
GAP Protection
GAP helps cover the difference between the actual cash value of the vehicle (primary insurance company settlement) and the outstanding loan balance at the time of a total loss.
Extended Vehicle Warranty/Protection Plan
When buying any vehicle, there is always a chance of having a mechanical breakdown. Mechanical breakdowns can be very expensive to repair. With a vehicle service contract from Vision Warranty Corporation, you can add protection against the unexpectedly high cost of vehicle repairs, in some cases eliminating the cost altogether.
Depreciation Protection
Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at any time over the life of the loan. It waives some or all of your loan balance in the event of the total loss of your vehicle. The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total loss.)
Benefit triggered by collision or comprehensive total loss, including theft
Life of loan protection
No mileage, make, or year restrictions
Open enrollment
100% refundable for first 60 days
Accidental Death protection included, which provides for cancellation of up to $1,000 of your outstanding loan balance if you die in an accident
Debt Protection
Protect the things that matter most.
If your life takes an unexpected turn, your family’s finances can be strained. But with Everyday Debt Defender, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.
Your purchase of Everyday Debt Defender is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Everyday Debt Defender. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
*APR = Annual Percentage Rate.
APR applies to loans on 2024 or newer autos only with 5000 miles or less financing $10,000.00 & under. Loans over
$10,000.00 require a prepaid finance charge which will affect the final APR. Rates, terms and conditions are subject to
change and may vary based on applicant creditworthiness, loan qualifications, and collateral condition. All loans are
subject to approval. Refinance applies only to loans from other lenders. Contact one of our friendly loan processors for
complete details. An example payment on a $10,000.00 loan for 72 months at 4.99% APR would be approximately
$161.33 per month. An example payment on a $25,000.00 loan including a $150.00 prepaid finance charge for 72
months at 4.99% interest rate (5.19% APR) would be approximately $403.32 per month without optional debt
protection. Offer subject to change without notice. Offer ends January 31, 2025.
**Credit Score/Hard Inquiry disclosure: To check the rates and terms you may qualify for, we conduct a soft credit pull that does not affect your credit score. However, if you choose one of our offered loan terms and continue your application, we will request your full credit report which will be considered a hard credit pull and may affect your credit score.