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Auto Loans

Increase Your Bargaining Power At The Dealership

Come In And Get Pre-Approved Before You Shop

Plus, when it's time to buy, your loan will be processed even quicker, so you'll be out on the road again with a car you love in no time. 

*APR=Annual Percentage Rate. The vehicle must be a model between 2012 and 2020. Rates will vary based on creditworthiness and terms. Payment example: $22.15 per $1,000 borrowed at 2.95% APR for 48 months. 1Payments may be higher if 0% financing requires shorter terms. Rates subject to change without notice. 



  • Competitively low, fixed rates on new or used vehicles
  • Available for dealerships or privately sold cars
  • Up to 120% financing available for qualified buyers
  • A wide range of terms customized to your unique situation
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Fast and easy decision-making and processing

Looking for the perfect vehicle? Shop Enterprise and AutoSMART!

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!

Whether your dream is “glamping” in a luxury RV or riding with bugs in your teeth, we’ve got the loan that can make it happen. Our rates are competitive and we’ll finance up to 80% of the vehicle’s value.

  • Generous rates and terms for a wide range of recreational vehicles:
    • RVs
    • Motorcycles
    • Boats
  • New financing up to 90% of value PLUS tax, license, Guaranteed Asset Protection (GAP) Insurance and warranty
  • Used financing up to 80% of value
  • Shop with the power of cash when you get pre-approved
  • Local East Bay area decision-making and processing