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VEHICLE LOANS

From cars to boats, Service CU has a wealth of loans and financing options

Most people need a car—yet most don’t like the process of buying one. At Service Credit Union, we take away the stress of financing a new or used car with the most competitive rates out there. In fact, if you find a better auto loan rate than ours, we’ll pay you $100**. And with our Indirect Lending program, you can arrange your loan straight from the dealer.

However you get around town, we have a variety of loans to meet your transportation needs. From new and used cars to motorcycles and scooters, we make purchasing a new vehicle fast and easy. Looking to venture a bit further afield? Our RV and camper loans will get you on your way. In need of a new thrill this winter? Finance a snowmobile today with a competitive rate and member service that won’t be beat.

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

Vehicle Loan Rates

 Rates Starting At: 
Automobiles3.24% APRApply for a vehicle loan Now
Motorcycles3.74% APRApply for a vehicle loan Now
Scooters3.84% APRApply for a vehicle loan Now
RVs/Campers4.74% APRApply for a vehicle loan Now
Boats4.74% APRApply for a vehicle loan Now
ATVs, Personal Water Vehicles, Snowmobiles3.84% APRApply for a vehicle loan Now
UTVs3.84% APRApply for a vehicle loan Now

Rates shown are Annual Percentage Rate (APR), accurate as of 10/01/19 and subject to change without notice. Rates advertised with a .25% reduction. The .25% reduction is available for direct deposit of entire net pay and automatic payment (example: 3.49% APR less .25% = 3.24%). 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. An additional .50% APR reduction is available for active military with direct deposit of entire net pay and automatic payment.

Members who qualify for the Senior, STAR, Veteran, SEG and Deployed Warrior programs may receive additional rate discounts!

Indirect Lending

Keep financing at your dealership, build customer retention, loyalty and referral business, and offer your buyers a variety of financing options. CUDL (Credit Union Direct Lending) Indirect Loan products from Service Credit Union give you more ways to put more people in the vehicles they want to buy. As a leading indirect auto lender in the New England/New York region, we excel at providing the best service to our members. We’re available seven days a week, and offer dedicated representatives, knowledgeable credit professionals and same-day funding to help dealers serve their customers.

For more information contact our Indirect Lending Department at 800.936.7730, ext. 3555.

AutoSMART

Take control of your car-buying process and search 8,500 participating dealerships. You can compare vehicles and conduct detailed research. When you buy your vehicle with one of our participating dealers, you’ll enjoy on-the-spot, one-spot vehicle shopping with no waiting for a loan. Click here to start.

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Reviews

*Rates shown are Annual Percentage Rate (APR), accurate as of 10/01/19 and subject to change without notice. Rates advertised with a .25% reduction. The .25% reduction is available for direct deposit of entire net pay and automatic payment (example: 3.49% APR less .25% = 3.24%). 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. An additional .50% APR reduction is available for active military direct deposit of entire net pay and automatic payment.

Members who qualify for the Senior, STAR, Veteran, SEG and Deployed Warrior programs may receive additional rate discounts!

**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 $100 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 a taxable year, the credit union will 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.