Buy a Car
Looking to finance your car and save money along the way? SCU Credit Union is here to make your car-buying experience smooth and stress-free. Whether you're a first-time buyer or looking to upgrade, our auto financing options help you take control of your budget, get pre-approved, and achieve a lower car payment.
New & Used Car Loans
Highlights
Why choose us for your car loan?
Unlike dealership financing, which often comes with extra fees and marked-up interest rates, our loans are designed to provide transparency, better rates, and lower monthly payments that work for your budget.
- Down payment options – as little as no money down
- Flexible terms up to 84 months for a new car and up to 75 months for a used car
- Finance up to 115% of your car's value (subject to certain limitations)
What Auto Loan Can I Afford?
You need a car, but how much can you actually afford? This Coach starts by walking you through a doable monthly payment, based on your income and expenses, then shows you a purchase price range that fits your budget. You’ll learn more about auto loans and leases, including interest rates and terms, down payments and trade-ins. To start this Coach session, select “Start Here.” A feed will appear; follow along and answer questions as you’re prompted.
Available on New & Used Auto Loans
- Life, Disability and Involuntary Unemployment Insurance
- GAP Protection
Auto Loans | Frequently Asked Questions
Helps you build your credit and offers the ability to lower your interest rate during the term of the loan.
Finance your new or used vehicle or refinance your existing auto loan and build your credit while doing it.
We give you the ability to lower your interest rate during the term on your loan. If you credit score has increased, you can reduce the interest rate up to two times during the life of the loan.
Questions? Complete this form and a loan officer will contact you to understand your needs and develop a plan to help.