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New & Used Auto Loans
Drive away in your new or used car financed by SCU Credit Union, or refinance your existing higher rate auto loan. We offer low interest rates and a speedy approval process. Up to 125% financing may be available subject to certain limitations.
Key Features:
- Down payment options – as little as no money down
- Financing up to 84 months for a new car and up to 75 months for a used car
- Low fixed interest rates
- 0.25% rate discount* on energy efficient vehicles that are rated 7 or higher by the EPA in both Air Pollution Score & Greenhouse Gas Score
- Calculate gas mileage savings or calculate a payment >>
- Apply >>
*Best advertised rate takes precedence over any additional discounts.
Refinance Your Auto Loan
Whether you have an existing auto loan or have the title to your vehicle, SCU Credit Union may be able to provide you with cash based on the equity in your vehicle.
For individuals who already have a loan on their vehicle, we may refinance the current loan and provide you with a maximum loan amount based on 100% of the NADA retail value, subject to certain limitations. No loan? No problem. SCU Credit Union can provide you financing based on 100% of the NADA retail value, subject to certain limitations. Rates and terms based on our current Auto Loan Rates. Calculate a payment or Apply >>
Credit Builder Auto 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 of the loan. If your credit score has increased, you can reduce the interest rate on your loan up to two times for the life of the loan.
- Reduce the interest rate up to 2 times during the term of the loan
- Rates and terms based on our current Auto Loan Rates
- Financing up to 84 months for a new car and up to 75 months for a used car
- Calculate a payment >>
- Apply >>
Student Auto Loan
If you are a college student or recent graduate between the ages of 18 and 26, SCU Credit Union's Student Auto Loan offers qualified borrowers a discounted rate on new or used vehicle loans. Students must be enrolled in an accredited College, University, Nursing Program or Technical School or a recent graduate of an accredited 2 or 4 year College or University within two years.
Requirements:
- Year of Vehicle: 2017 to 2024
- Maximum Loan amount: $20,000
- Maximum Term: 60 months
- Documentation: Copy of most recent transcript, discount based on GPAs 2.00 and higher
- Calculate a payment >>
- Apply >>
New & Used Motorcycle Loans
Key Features:
- Low down payments (minimum 5% new/used)
- Low fixed rates
- Loan amounts up to $25,000
- Finance up to 63 months
- Calculate a payment >>
- Apply >>
New & Used Boat Loans
Key Features:
- Competitive fixed interest rates
- Low down payments (minimum 5% new/used)
- Finance up to $300,000 for new boats and $75,000 for used boats
- Finance up to 240 months for new boats and 60 months for used boats
- Calculate a payment >>
- Apply >>
New & Used RV Loans
Key Features:
- Camper loan amounts up to $125,000 with terms up to 180 months
- Minimum 5% down payment, 20% required on loans greater than $100,000
- Calculate a payment >>
- Apply >>
*All recreational vehicles require titling by the appropriate government authority. Vehicles that cannot be titled are not eligible for financing.