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Financing Options for Cars to Boats and Everything In Between

At Service Credit Union, we take away the stress of financing a car or motorcycle with the most competitive rates out there.

New Car Loans

With flexible terms, you’ll find a car 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.

If you’re looking for another way to travel, we offer loans for boats, RVs, ATVs, snowmobiles and more. Apply conveniently through our vehicle loan portal and select your loan type. 

Already have a car loan? Read our blog post on five reasons to consider refinancing your auto loan.

Car Loan Calculator

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 credit union 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.

Dealers can contact our Indirect Lending Department at: 603.559.4385 or 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. Learn more about our Love My Credit Union Rewards program.

Explore the Car Buying Process

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

Service CU Member Reviews

*Rates shown are Annual Percentage Rate (APR), accurate as of 07/02/24 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: 6.99% APR less .75% = 6.24%). Up to a .75% discount will be applied to the APR that a member qualifies for based on credit worthiness 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.

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.