Father helping his girls load supplies in the back of the car

Get on the Road With an Auto Loan That Works for You

Low Rates. Flexible Terms. Fast Approvals.
Apply Now

The Road to Your New Vehicle Starts Here

Whether you’re purchasing a new or used car, motorcycle, or RV, Service Credit Union offers competitive vehicle and auto loan rates with flexible terms to fit your budget. Our simple application process and personalized support make it easy to finance your vehicle with confidence. From pre-approval to payoff, we’re here to help you drive away with a loan that works for you.

Why Choose a Service Credit Union Auto Loan?

  • Low Interest Rates – Get competitive rates as low as 4.74% APR.*
  • Flexible Repayment Terms – Find a plan that fits your budget.
  • Fast, Hassle-Free Approvals – Apply online and get a quick decision.
  • No Hidden Fees, No Surprises – Transparent, member-first financing.
  • Support You Can Trust – We’re with you at every mile of your journey.

Financing That Works for You

Getting the right auto loan shouldn’t be a hassle. We believe in making car buying simple, with low interest rates, a smooth online application process and personalized support to get you on the road faster.

Apply Now

Vehicle Loan Rates

Apply Now
Vehicle Type Rates Starting At:
Automobiles 4.74% APR*
Motorcyles 8.24% APR*
ATVs, Personal Water Vehicles, Snowmobiles 8.84% APR*
UTVs 8.84% APR*
RVs/Campers 10.24% APR*
Boats 10.24% APR*
Vehicle Type
Automobiles
Rates Starting At:
4.74% APR*
Motorcyles
Rates Starting At:
8.24% APR*
ATVs, Personal Water Vehicles, Snowmobiles
Rates Starting At:
8.84% APR*
UTVs
Rates Starting At:
8.84% APR*
RVs/Campers
Rates Starting At:
10.24% APR*
Boats
Rates Starting At:
10.24% APR*

More Than Just a Loan

Transparent & Trustworthy

Transparent & Trustworthy

No hidden fees. No surprises. Just straightforward financing.
Tailored For You

Tailored For You

Choose a loan term that fits your lifestyle and budget.
Your Financial Partner

Your Financial Partner

We're here to support your journey to financial success.
Apply Now

Auto Loans FAQs

What’s my next step?
Use the link below to start your application and lock in a great rate.
Are there any prepayment penalties?
No. Pay off your loan early with no fees or penalties.
How long does the approval process take?
Most applicants receive a decision quickly; often the same day.
Can I finance a used car?
Absolutely! Our auto loans are available for both new and used vehicles.
Do I have to be a member to apply?
Yes, Service Credit Union membership is required to apply for an auto loan. Not a member yet? Joining is easy. Begin your application now.
Apply Now
*Rates shown are Annual Percentage Rate (APR), accurate as of 12/16/2025 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 5.49% APR less .75% = 4.74%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The collateral age and loan term may impact the APR offered. Members must maintain the checking account 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 a member of Service CU or establish membership with $5 in a Primary Savings Account. New and Used auto rates are the same for vehicles that are up to 3 model years old (including current model year). Used vehicles in excess of 3 model years are subject to different rates than new vehicles. See representative for details.