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Auto Equity Loans

The car you love can help cover what’s next

Current Best Rate: As low as 5.45% APR2

(Rates and terms based on creditworthiness)

If you’ve been paying down your vehicle — or own it outright — you may be sitting on auto equity.

An Auto Equity Loan lets you borrow against the value of your vehicle using a fixed rate and fixed term, often at a much lower rate than credit cards.

A basic equation of auto equity. "Book Value of your vehicle is $20,000 Subtract loan amount (if any) - $5,000 = Equity available to use $15,000."

Auto Equity Loans are commonly used for:

Paying off high‑interest debt

Covering medical or education expenses

Home projects or life events

Fix or Update your vehicle

It works just like a traditional auto loan — except you’re using the vehicle you already own.

Get Started

Apply Now

Check Rates

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Have any Questions?

Talk with a Loan Specialist — we’re here to help.

📞 303.202.5659 | 800.280.0234
✉️ support@cudenver.com

Benefits of Refinancing with C·U·D

  • Competitive rates and flexible terms
  • Auto Pay discount on approved rate4
  • Local, member‑focused service
  • No prepayment penalties
  • Easy online application
  • Support for every stage of vehicle ownership

Want to save even more? Set up a qualifying Auto Pay and get a 0.25% APR discount off your approved rate4.

Payment example:
For Vehicle Loan of $18,000 for 60 months at the best rate of 5.45% APR = monthly payment of $343.41.

Auto Loan Calculator

Looking for Something Else?

Auto Loans (New & Used)

Finance your next vehicle with competitive rates, flexible terms and a simple, stress-free process.

Learn More

Auto Refi

Lower your rate, reduce your monthly payment, or both by refinancing your current auto loan.

Learn More

Plus, don't forget to review the Insurance Requirements for our auto loans.

If you use your personal vehicle for a driving service (Uber, DoorDash, etc.) you will need extra insurance to protect your assets. Please read this blog post for more information. 

Disclosures

2 APR (Annual Percentage Rate) based on individual creditworthiness. Not all borrowers will qualify for the lowest rate. Rates and terms may vary by vehicle type and amount financed. Rates Current as of 10/01/2026. Rates subject to change. Insurance Requirements. C·U·D membership of $5 required.

4 A 0.25% discount is optional for automatic loan payments. Not all borrowers will qualify for the best rate shown and terms may vary on amount financed. Subject to credit approval. Auto Pay Rate Discount Offer applies to loans with qualifying automatic ACH payment and is enrolled in e-statements on an eligible vehicle loan. If enrollment is discontinued, the rate will revert to contracted approved rate. Qualifying payment methods include automatic payments from a Credit Union of Denver (C·U·D) account. Payments initiated through Digital Banking or from another financial institution do not qualify. Loan must remain in good standing (has not caused a loss to the credit union). Discount is applied once per eligible loan and cannot be reapplied if later removed. All borrowers must not have any charged off shares on or after 6/15/2025 with a balance owed. Current rates as of 10/01/2026. Rates are subject to change without notice.