Auto Loans

SVFCU offers financing for a wide range of new and used cars, trucks, SUVs & motorcycles with rates as low as 1.99% APR*!

We specialize in highly-competitive loan rates and terms with payment amounts to fit your budget. Both new and used vehicles can be financed to 100% of retail value with qualifying credit.

  • Late model used financing at the same interest rate as brand new vehicles.

  • Motorcycle financing with the same rate and term options as cars, trucks and SUVs. Just as with an automobile loan, title to the motorcycle is held as collateral and proof of insurance is required.

Preapproval Gives You an Edge

You can negotiate with confidence knowing you have your financing already arranged and a great rate lined up. Preapproval is a fast, simple process with no obligation. Apply online or come to the office as a first step in your car shopping process.

Apply Now
Call 800-948-1454 or email a loan officer today for more information.
 

Did You Finance Elsewhere at a Higher Rate? Refinance 100% of MSRP

If you have a new vehicle that was financed at another institution during the past year, we can refinance your loan at our low rates and lend you 100% of the original MSRP. If you owe less than the original MSRP, you can choose to take the difference in cash to use for any purpose, or reduce your loan amount to keep the payment comfortably low.

Vehicle Loan Payment Calculator


Guaranteed Auto Protection

If your vehicle is totaled or stolen, most insurance policies only pay the current value of the vehicle. Because the value of a vehicle rapidly declines during the first few years of ownership, your loan balance could be higher than the insurance value, costing you thousands out of pocket.

Protect yourself with Guaranteed Auto Protection (GAP). GAP will pay you the difference between the vehicle's value and the amount you still owe on your loan. The cost of GAP can be rolled into your loan. Ask for it when you apply for your auto loan.


Car Shopping Tips

Before you head to the dealership or used car lot, make sure you've done your homework. Check out our Car Shopping 101 Tips to help you get an edge for your next vehicle purchase.

*Up to 100% financing of retail value. Auto loan rates will be adjusted for the condition of the collateral and model year. Rates as publicized include the .5% APR Gold Star Member Discount (except on excluded loan types), assume A+ credit, and are the lowest rates available at this time. SVFCU will determine your interest rate based on your credit rating, amount and term of the loan, collateral, and other underwriting factors. Your rate may be higher than the advertised rate. We will offer our best possible rate based on your qualifications. Rates listed are Annual Percentage Rates (APRs) and are subject to change at any time.
Current Offer
Gold Star Members Get Loan Discounts. Claim Your Savings!

It pays to use SVFCU for all your banking needs. Our Gold Star Members receive an additional ½% APR* discount on select loans just for using everyday services. The rates as listed include the Gold Star Member Discount on qualifying loans.

Learn More|Next Offer
Effective May 1, 2017
Autos 2014 & Newer
Term APR*
Up to 60 Month 1.99%
72 Month 3.75%
84 Month 4.49%
Effective May 1, 2017
Autos 2013 & Older
Term APR*
Up to 48 Month 2.79%
60 Month 3.29%
72 Month 4.09%
84 Month 4.75%
SVFCU has always met our financial needs.
— Gail Y., New Cumberland, PA
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