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Auto Loan Rates Starting At

5.99% APR*

Ready for a New Car and New Music?

We can help you save more every month, with rates as low as 5.99% APR for new and used cars.* And for a limited time, you can also get $150 toward the music streaming service of your choice with a $150 eGift card.** Get in your new ride, with the perfect soundtrack to your next adventure.

Plus, enjoy these great benefits: 

  • Flexible terms
  • Fast and convenient financing at over 600 dealerships

Ready to get rewarded? Simply sign up for the promotion using the below form and then apply for your next auto loan.

Get to Know the Ways We Serve Our Military Members

At Service Credit Union, we are dedicated to providing products and services that fit the unique needs of our members. For our military members, moving from base to base doesn’t mean having to close your account. Service Credit Union has checking accounts that include ATM fee reimbursements and discounts on loans. It also means providing access to a 24/7 contact center and a mobile app that allows you to stay on top of your finances wherever you are. Plus we provide personal face-to-face service to those members on U.S. military bases in Germany.

Learn more about our military loan benefits below, and find out if you qualify.

Discounted Interest Rates

Service Credit Union is committed to helping improve the lives of those who serve. Military members can receive a .75% APR* loan discount on auto, motorcycle and personal loans with just DFAS direct deposit into a Service CU checking account.

Looking to build up your financial capabilities? Learn the basics around creating a budget, debt management and taxes by viewing this learning library of lessons

Early Pay Day

Get paid early*** when you set up direct deposit with your Service CU checking account. With our Early Pay service, your paycheck could arrive up to two days earlier than scheduled on the following dates:

13, 2811, 3013, 2812, 2810, 2913, 28

Get A Car Loan That Suits Your Needs

New Car Loans
With flexible terms, you’ll find a loan to meet your needs and fits your budget perfectly.


Used Car Loans
Yes, you can get the same low rate as a new auto loan even if you’re buying a used vehicle!†


What Will My Payment Look Like?

Calculate your estimated payment based on our current rates.

Get Your Vehicle Loan Now

At Service Credit Union, we take away the stress of financing a new or used car with the most competitive rates out there. And with our Indirect Lending program, you can arrange your loan straight from any of our 600 partner dealerships. So stop wishing you had a new car and apply for an auto loan today.

*Rates shown are Annual Percentage Rate (APR), accurate as of 11/8/22 and subject to change without notice. Rates advertised with a .75% reduction. A .75% reduction is available for the Direct Deposit+ checking account tier (example: 6.74% APR less .75% = 5.99%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.

**Individuals who first sign up for this promotion though the Service Credit Union website at and then apply for and receive an auto loan during this limited time offer can claim an eGift card of $150 to pay for one year of the streaming service of their choice or a treat from a retailer of your choice. Must be or become a Service Credit Union member to receive eGift card; only one eGift card per loan and per member. Refinancing a loan currently held with Service Credit Union does not qualify for this promotion. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so we may not credit bonus to, we may freeze the bonus to, or we may take away bonus from your account. The credit union will issue a 1099-INT for tax purposes. Promotion runs from 07/01/22 – 09/30/22 and is subject to change or be discontinued at any time.

***Immediate credit of your direct deposit to your Service CU account up to two (2) business days early is based upon when we receive your payroll from your employer. Service CU cannot assume any liability for not depositing these funds to your account early.

New and Used auto rates are the same for vehicles that are up to 3 model years old. Used vehicles in excess of 3 model years are subject to different rates than new vehicles. See representative for details.