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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.

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

Used Car Loans
Get the same low rate as a new auto loan on vehicles up to three model years old (including the current model year.)

Refinance Car Loans
Keep the vehicle you love but lower your payment by refinancing an existing auto loan with Service CU.

Already have a car loan? Here are five reasons you should consider refinancing your auto loan.

What Will My Payment Look Like?

Calculate your estimated payment based on our current rates.

Indirect Lending

Did you know that the dealership where you are shopping for your new car probably works with Service Credit Union? Approach the car loan process with confidence, knowing that Service Credit Union works with over 600 dealerships throughout New England to provide fast and convenient financing.  Be sure to mention that you’re a member, and chances are the dealership can complete the entire loan process for you in minutes.  The application is simple, with the same low interest rates and attractive loan terms available that you would find in-branch or online.  We are available seven days a week and offer dedicated, knowledgeable credit professionals to help your dealer serve their customers.

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


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. Visit AutoSMART to get started.

Love My Credit Union Rewards®

Learn how you can get a $100 cash reward when buying a vehicle through the Love My Credit Union Rewards program. Click here for more information.

Explore different ways to buy a car

How much car can I afford?

Buying a car is a big decision that may feel intimidating or confusing. This short learning course reviews the steps, options, and resources involved in the process to help guide you in your selection and purchase.

You’ll learn more about:

  • The steps to apply for a car loan
  • Developing your budget for buying a car
  • Calculating your payments


*Rates shown are Annual Percentage Rate (APR), accurate as of 06/23/22 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: 3.99% APR less .75% = 3.24%). 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.

**Offer available on purchases and refinances of new and used cars or motorcycles. 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.

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.