Auto Loans

SVFCU offers financing for a wide range of new and used cars, trucks, SUVs & motorcycles as low as 5.49% 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 the first step in your car shopping process.

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

Lease Buyout

With everything else you have going on, why think about choosing a new vehicle? If you are currently leasing your vehicle, but are thinking about owning it, we can help. Using one of our auto loans, you are able to buyout of your current lease and keep your vehicle!

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 may be able to 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 the loan balance. Ask for GAP when applying for an auto loan. 

AutoSavers ProgramOpens in New Window

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing! Like a lease, AutoSavers offers payments considerably lower than conventional financing on your new or pre-owned vehicle. Yet, unlike leasing, with AutoSavers you own the vehicle and receive all the flexibility and benefits of vehicle ownership! Learn More About AutoSavers

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.

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*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.