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Apply for an auto loan online in 3 easy steps

  • No payments for up to 90 days**
  • Rate match guarantee or we’ll give you $100***
  • Dedicated 24/7 member service support team

Need more reasons to choose Service Credit Union for your auto loan?

  • Direct Deposit and Automatic Payment Discount

    Save .75% off your auto loan rate when you sign up for direct deposit of your entire net pay (not allotment) with the automatic payment feature.
  • Flexible Terms

    In addition to deferring your payment for up to 90 days**, you can take advantage of multiple term length options and pick the one that works best for you.
  • Online Payments

    We make paying your auto loan easy through online banking. You can even pay from another financial institution+ or make your payment at any Service Credit Union or shared branching location or over the phone.++
  • Vehicle and Loan Protection Programs

    Get peace of mind with Guaranteed Asset Protection (GAP), Credit Life and Credit Disability Insurance.

Calculate My Payments

*Rate shown is Annual Percentage Rate (APR), accurate as of 08/16/19 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for direct deposit of entire net pay and automatic payment (example: 3.74% APR less .75% = 2.99%). Loan approval and APR subject to credit worthiness. Direct deposit of entire net pay (not allotment) and automatic payment must be maintained. Floor rate may apply.

**Subject to lender discretion.

***Offer available on purchases and refinances of new and used cars or motorcycles. Refis of existing Service Credit Union (SCU) loans are ineligible unless at least $1,000 new cash out. Rate matching applies to competitors’ auto loans that have terms and conditions consistent with SCU’s 12-75 month loan rates; $100 offer is only available on terms of 60-75 months. If SCU cannot beat competitors’ APR on a 60-75 month loan, we will credit to a qualifying member’s SCU account up to 30 days after original loan application with SCU. A qualifying member is a new or existing member who applies for and is approved for an SCU loan. Proof of applicant’s eligibility for the competitor’s rate must be provided; quoting advertised rates are not sufficient. Approval and rate match eligibility is subject to applicant’s creditworthiness. If total reportable income from SCU equals $600 or more in taxable year, the credit union with issue you a 1099-MISC. Private, non-commercial loan rates and terms are excluded from this promotion. Offer subject to change without notice. Individual must be a member of Service Credit Union or eligible for membership.

+If transferring from another financial institution through online banking, additional terms and conditions apply. Please go to the Move Money -> External Transfers link through your online banking for more information.

++A $10 fee will be charged for each loan payment made from a financial institution other than Service Credit Union when requested over the phone.