We have BART, but it really helps to have a car too — especially one you love. Finance a new (or new-to-you) vehicle with us.

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Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
  • Competitively low, fixed rates on new or used vehicles*
  • Available for dealerships or privately-sold cars
  • Up to 125% financing available for qualified buyers

We offer a wide range of terms customized to your unique situation. Plus, you can get pre-approval for extra bargaining power at the dealership. Want to refinance your current vehicle to potentially lower your rate? That's an option too!

Drive home serious savings just in time for the holidays

  • Up to 2% OFF existing rate1
  • Rates as low as 1.99% APR2
  • No payments for up to 60 days3

To find your perfect vehicle online, we recommend shopping through Enterprise and AutoSMART.

Then, find peace-of-mind after your purchase with Guaranteed Auto Protection (GAP) Insurance and Mechanical Repair Coverage.

Buy your car with confidence!

Starting out is tough — whether you're trying to get your first credit card, first apartment, or anything else that requires credit. We understand how daunting it can be to get credit when you have no credit. Let us help you get there by financing it.

Have the perfect car in mind, but not sure where to start? Have the perfect payment but not sure which car is for you?

Check out AutoSMART car buying!

This timesaving tool can help you with everything including calculating your monthly payment and finding a car 

Get pre-approved before you shop, so you can have the purchasing power of cash. We love to help our members achieve their dreams, it's time to achieve yours, please call (510) 647-2126 to get started. 

For more information, please email a loan officer for details.

Save an additional 0.50% APR* on our already-competitive rates when you go green!

Cooperative Center offers buyers a 0.50% discount off the qualifying rate when they finance a Hybrid or a Fuel Efficient Auto with us. Vehicles include:

  • Passenger auto – combined city/highway 34 MPG or better
  • Pick-ups/vans/SUVs – combined city/highway 21 MPG or better

Check out the EPA guide to see what kind of vehicle is right for you!

The 0.50% rate discount is applied by the Loan Officer at the time of Loan Origination.

*APR = Annual Percentage Rate. Cooperative Center Floor rate is 2.95%. Rate and term based on credit worthiness, age of vehicle, mileage, and value of vehicle. Contact a Loan Officer for minimum/maximum loan terms based on amount financed. Offer cannot be combined with any other offer.

Loans currently financed through Cooperative Center Federal Credit Union are not eligible. Subject to credit approval. Membership is required. Rates subject to change without notice.

*APR=Annual Percentage Rate. Rates as low as 1.99%. The vehicle must be a model between 2013 and 2021. Rates will vary based on creditworthiness and terms. Financing up to 125% of Kelley Blue Book® value. Max Loan-to-Value (LTV) includes tax, Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (MRC). 

Annual Percentage Rate (APR) is subject to change. Rate and maximum loan amount based on creditworthiness. Loan payment example: $21.71 per $1,000 borrowed at 1.99% APR for 48 months. The vehicle must be a model between 2013-2021, have a balance owed of at least $7,500 and be currently financed through another financial institution. Loans currently financed through Cooperative Center Federal Credit Union are not eligible. The loan must be current to qualify. Rate and term may vary based on creditworthiness, age of vehicle, mileage and value of vehicle. Contact a Loan Officer for  minimum/maximum loan terms based on amount financed.2 Floor rate of 1.99% APR applies. All loans are refinanced for the remaining term of the original loan; there are no additional months to repay. Offer cannot be combined with any other offer or discount. Financing up to 125% of Kelley Blue Book® value. Max Loan-to-Value (LTV) includes tax and GAP. 60-day deferred payment is optional. 3 Interest will accrue from the date the loan is funded and continue to accrue during the 60-day no-payment period. First payment(s) may be applied to interest only. Offer good through December 30, 2021.