Vehicle Loans for Wherever the Road Takes You
From everyday commutes to weekend rides and long-haul adventures, Service Credit Union offers vehicle loan options designed to help you move forward with confidence.
Vehicle Loan Rates
Vehicle Loan FAQs
What’s my next step?
For auto loans, auto refinance loans and motorcycles, use the link below to check your rate for a personalized rate estimate with no impact to your credit score.
Check Your Rate
For all other recreational vehicles, including ATVs, RVs, campers and boats, visit a branch or contact us.
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 vehicle?
Absolutely! Our vehicle 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.
*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.
**Rates shown are Annual Percentage Rate (APR), accurate as of February 2, 2026, and subject to change without notice. Rates advertised with a .75% reduction for external refinances only. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 4.74% APR less .75% = 3.99%). 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 checking account tier qualifications for the life of the loan in order to keep their loan discount. The loan type, collateral age and loan term may impact the APR offered. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
**Rates shown are Annual Percentage Rate (APR), accurate as of February 2, 2026, and subject to change without notice. Rates advertised with a .75% reduction for external refinances only. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 4.74% APR less .75% = 3.99%). 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 checking account tier qualifications for the life of the loan in order to keep their loan discount. The loan type, collateral age and loan term may impact the APR offered. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.