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Auto Loans

Get going by applying for free pre-approval,* and enjoy local processing — plus some of the lowest rates in Louisiana.

Step 1: Get Pre-Approved!*

Before you start looking for a vehicle, you should talk to a loan officer and get a pre-approval for how you much you qualify for. Taking this step before choosing a vehicle helps in two major ways:
1. It protects your credit from being pulled multiple times at the dealership.
2. It keeps you from falling in love with vehicle that your budget cannot support.

When you know what you qualify for, you have to make the decision if you want a new vehicle or if a used vehicle is better for you. The biggest deciding factor is what works best for your budget.


Step 2: Start Shopping!

After you get your pre-approval, Centric can help you find the perfect vehicle for you. Centric loan officers can help advise you on what dealerships to check out, and you can use Centric’s online car buying program, AutoLink, to search for a vehicle within your price range all in one easy place. Take a virtual tour of the car you’ve been dreaming of with our online car-buying program. When you visit the online car-buying program, you will learn:

  • The Safety ratings on the vehicle you’re searching for!
  • Expected value of the vehicle.
  • Review the vehicle history report.
  • And so much more!

Step 3: Let Us Help You Close Your Deal!

Beyond the perks of getting to work with a loan officer to customize your loan terms to fit your budget and having access to a Centric Certified Credit Union Financial Counselor that can help advise you on how to reach your financial hopes and dreams, Centric also offers a Guaranteed Asset Protection (GAP) program and extended warranty that can help protect your vehicle.

The Centric team is here to help you close the deal on the vehicle you’ve been waiting for. Email us today to get started: 

Auto Warranty

As a Centric Member, you can save as much as 50% off an extended warranty for your new or used vehicle financed through Centric.

Extended warranties are available for all makes and models of vehicles, up to 100,000 miles, and benefits include allowances for roadside assistance, rental car reimbursement, trip interruption, and manufacturer’s deductible reimbursement.

View our Coverage Benefits brochure (PDF), offered through Mercury Mechanical Protection.


“Words don’t do justice for the exceptional job Centric and its employees do! I am so grateful that I decided to become a member and finance my new vehicle through Centric, with the help and hard work of Mrs. Dakne and the entire Ruston team! The moment I walked in the door, I was greeted with smiles and friendly faces. Throughout the entire process, I always knew that I had a great group of people working together to help make my dream a reality. Centric takes care of business, but they also take care of their members who become family, and I am honored to be a part of it. I’ll tell anyone with no hesitation, that Mrs. Dakne and her team at Centric are who you want by your side. They WILL get the job done and make you their priority no matter what. They’re passionate about what they do and take pride in how they do it! Thank you, Centric Ruston!”
– Dee Fleming



“I would like to thank Centric for helping me out. From day one, they made me feel like I was family to them. It seemed like when I was struggling to find something, they felt the same struggle. Ms. Saucer called me almost every day checking on me. At the end of the day patience was the key to success. I would love to send out a special ‘thank you’ to Ms. Dakne and her team. Thank y’aII so much! ”
– Brian Brantley


*Not all will qualify. See loan officer for qualifications.
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