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Auto Equity Loans

The car you love can help cover what’s next

Current Best Rate: As low as 4.95% 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

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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
  • Local, member‑focused service
  • No prepayment penalties
  • Easy online application
  • Support for every stage of vehicle ownership

Payment example:
For Vehicle Loan of $18,000 for 60 months at the best rate of 4.95% APR = monthly payment of $339.27.

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

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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 09/01/2026. Rates subject to change. Insurance Requirements. C·U·D membership of $5 required.