Auto Financing

# Drive Away With Confidence

New or used — find the right auto loan at the right rate. Quick decisions, flexible terms, and competitive APRs from CTGMC.

Get Pre-Approved Calculate Payment
Current Rates
New Car Loan 5.49% APR
Used Car Loan 6.99% APR
Auto Refinance 5.25% APR
Terms Available
24 mo 36 mo 48 mo 60 mo 72 mo 84 mo
5.49%
From APR
84 mo
Up to 84 Months
24hr
Approval Decision
€0
Prepayment Fee
Our Loan Products

## Find the Right Auto Loan

Whether you're buying new, used, or looking to lower your current rate, CTGMC has a financing option built for you.

New Car Loan
Financing for any make or model from certified dealers. Enjoy our lowest rates on brand-new vehicles with flexible terms.
5.49%
APR from
Apply Now
Used Car Loan
Flexible financing for pre-owned vehicles up to 10 years old. Great rates on certified pre-owned and private-party purchases.
6.99%
APR from
Apply Now
Auto Refinance
Lower your monthly payment by refinancing your existing auto loan. No application fee and no hassle.
5.25%
APR from
Refinance Now
Auto Loan Calculator

### Estimate Your Monthly Payment

Use our calculator to get an instant estimate of your monthly auto loan payment. Adjust the inputs to explore different scenarios.

- Instant real-time calculations
- See total interest paid
- Compare terms side by side
- No personal info required
- Results update instantly

Quick Rate Guide
Credit 750+5.49% APR
Credit 700–749 6.49% APR
Credit 650–699 8.99% APR
Auto Loan Calculator
Enter your details to estimate payments
Vehicle Price ($) Down Payment ($) Trade-In Value ($) Loan Term
Annual Interest Rate (%)
Loan Amount—
Loan Term—
Annual APR—
Total Interest Paid—
Total Amount Paid—
Monthly Payment—
Why CTGMC Auto

## Everything You Need in an Auto Loan

We've designed our auto financing around what matters most — speed, flexibility, and savings.

#### Fast Online Application

Apply entirely online in minutes. No branch visit required.

#### No Prepayment Penalty

Pay off your loan early and save on interest — zero fees.

#### Flexible Terms Up to 84 Months

Choose from 24 to 84 months to match your budget perfectly.

#### GAP Insurance Available

Protect yourself if your car is totaled and you owe more than it's worth.

#### Rate Lock Guarantee

Your approved rate is locked for 30 days while you shop.

#### Pre-Approval in 60 Seconds

Get a pre-approval decision instantly — no hard credit pull.

How It Works

## 4 Simple Steps to Your New Car

From application to driving away, we make the process smooth and straightforward.

1
Apply Online
Fill out our quick 3-minute application. No paperwork, no branch visit needed.
2
Get Approved
Receive a decision in as little as 60 seconds. Most applicants hear back within 24 hours.
3
Choose Your Car
Shop at any dealership or private seller with your pre-approval letter in hand.
4
Drive Away
Finalize the paperwork and drive off in your new vehicle. It's that simple.
FAQ

## Common Questions

What is the maximum age for a used car loan?
CTGMC finances pre-owned vehicles up to 10 model years old. The vehicle must also have fewer than 150,000 miles and a clean title. Vehicles older than 10 years may still qualify through our Classic Vehicle Loan program — contact us for details.
What is GAP insurance and do I need it?
GAP (Guaranteed Asset Protection) insurance covers the difference between what you owe on your loan and the car's actual cash value if it's totaled or stolen. It's especially recommended if you financed more than 80% of the vehicle's value. CTGMC offers GAP coverage directly — ask your loan officer for pricing.
Can I refinance a loan from another lender?
Yes! CTGMC's Auto Refinance product accepts loans from most other lenders. To qualify, your vehicle must be less than 10 years old, have fewer than 120,000 miles, and your current loan must have at least €5,000 remaining. There's no application fee and you can complete the entire process online.
Is a down payment required?
A down payment is not strictly required, but putting 10–20% down can significantly lower your monthly payment and reduce your total interest cost. Borrowers with excellent credit (750+) may qualify for 100% financing on new vehicles. A trade-in vehicle can also serve as a down payment.

## Get Pre-Approved in 60 Seconds

No hard credit pull. No obligation. Just your rate in under a minute.

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