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Shift Your Loan into Overdrive

Turn to us for low loan rates and affordable payment plans to get you from the application into the driver's seat as simply and as quickly as possible. 

  • Easy application with quick approvals and no fees
  • Apply for pre-approval1 for better bargaining power at the dealership
  • No penalty if you pay off your loan early
  • GAP insurance available
  • Refinance another financial institution’s existing vehicle loan with Climb and get $200 in cash, 1% APR* discount off your current rate and no payment due for 90 days2

Same ride. Better loan.

View Disclosures

*APR = Annual Percentage Rate. 1Pre-approval is based on an individual’s credit history. Other terms and conditions may apply. Not all applicants will qualify. 2This special offer cannot be combined with any other offer, and Climb Credit Union reserves the right to discontinue promotions without notice at any time for any reason. Existing Climb Credit Union loans are not eligible for refinancing. $200 cashback per auto loan will be deposited into the Primary Share Savings Account within two business days after closing. Cash is considered a bonus and may be reported on IRS Form 1099. Loans subject to credit approval. Conditions and rates are subject to change and vary based on the loan term, vehicle model year, and your credit history. Floor rate of 3.99% APR. Must provide verification of current rate. The new money minimum that can be refinanced is $5,000. Maximum loan-to-value (LTV) is 150%. This offer is only valid for autos and does not apply to any motorcycles or recreational vehicles. This offer excludes any cash-out refinances. The term cannot be extended beyond 12 months from the remaining term of the loan. To qualify for 90 days of deferred auto-payments you must be in good standing with Climb Credit Union (no delinquent or charged-off loans and a positive balance in all accounts). Interest accrual begins immediately once funded and will continue to accrue each month during deferment. Deferred payments may not exceed 90 days. Not all applicants will qualify.

By applying for a loan, you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting an application, you agree to allow us to receive the information contained in your application as well as the status of your application. You can review disclosures at

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