Auto, Boat, and RV Loans at CECU
Simple Loans,
For The Road Ahead.
Your next adventure shouldn't be slowed down by complicated financing or hidden fees. At CECU, we provide clear, local loan options to help you secure the vehicle you need at a rate that works for your life.
Loans & Financing at CECU
Flexible financing for everything that moves you.
Auto Loans
New or used, we offer low rates and
flexible terms up to 84 months. No hidden fees, just clear paths forward.
Rates as low as 5.15% APR
100% Financing Available
Recreational Vehicle Loans
Take your home on the road. Specialized financing for campers, motorcycles, ATVs, and travel trailers with extended terms.
Flexible Terms
Competitive Rates
Boat Loans
From jet skis to pontoons, we keep the loan process simple, so you can get on the water faster.
Long term up to 84 months
Finance up to 90%
Expert Tip: Before you sign, compare the dealer's "0% financing" against taking the cash rebate and financing through CECU. Often, the rebate plus our low credit union rate will save you more over the life of the loan!
Auto Loans
We have a reputation for offering some of the lowest auto loan rates in Knoxville. Whether you prefer to work directly with us or at the dealership, we offer flexible financing to fit your budget.
Direct Financing
Get pre-approved before you shop. This allows you to choose a shorter term with our lowest possible rate and negotiate at the dealership like a cash buyer.
Partnered Dealer Financing
Available at local dealers in Knox and surrounding counties. Request "CECU Financing" at the dealership to get the lowest monthly payment for the longest term.
Vehicle Protection
We offer GAP Insurance to cover the loan balance if your vehicle is totaled or stolen, and Mechanical Repair Coverage for unexpected breakdowns.
RV & Boat Loans
Ready for a new adventure? We offer competitive rates and flexible terms for your next big purchase.
High Value Financing
Finance up to 90% of the value of a new or used boat or other recreational vehicle.
Extended Terms
Financing options extend up to seven years depending on the amount borrowed.
Personal Service
Contact our loan department directly to customize a plan for your lifestyle.
Already have a loan?
Refinance your high-interest auto or boat loan from another lender and lower your monthly payment instantly!*
Bring Your Loan & Save
*Subject to credit approval. Rates and terms are based on creditworthiness; not all applicants will qualify.
Current Rates
Transparent Pricing for every journey.
*Rates Current as of 4/21/2026
Loan Type
Loan Term
APR as low as
New Auto
Used Auto
New RV & Motor Home
New Boat & Personal Watercraft
New Auto
Loan Term
APR as Low As
Used Auto
Loan Term
APR as Low As
New RV & Motor Home
Loan Term
APR as Low As
New Boat & Personal Watercraft
Loan Term
APR as Low As
Annual Percentage Rate (APR) is based on creditworthiness and subject to change.