Vehicle Loans
Auto Loans With Rates As Low As 4.99% APR*Vehicle Financing Options for Cars to Boats and Everything In Between
• Low-Interest Rates: Secure one of the lowest rates in the market to make your new car purchase affordable.
• Flexible Terms: Choose from a variety of repayment plans that fit your budget and lifestyle.
• Quick Approval: Our streamlined application ensures you get your loan approved swiftly.
• No Hidden Fees: Transparent loan terms with no hidden costs or surprises.
• Competitive Rates: Enjoy low-interests tailored to used car purchases.
• Flexible Financing Options: Choose from a range of terms designed to suit your financial needs.
• Quick and Easy Process: Our hassle-free application and approval process means you can drive your pre-owned car sooner.
• Vehicle History Reports: Access to comprehensive vehicle history reports to make an informed purchase.
• Lower Interest Rates: Take advantage of lower rates to save money over the life of your loan.
• Flexible Terms: Adjust your loan term to better fit your financial situation.
• Easy Application Process: Simple online application with quick approval decisions.
• No Prepayment Penalties: Pay off your loan early without any extra charges.
Ready to hit the road in your new vehicle? Apply for an auto loan today and benefit from our exceptional rates and support.
Why Choose Service Credit Union for Your Vehicle Loan
Competitive Rates and Flexible Terms
Quick and Easy Approval Process
Transparency and No Hidden Fees
Enjoy some of the lowest interest rates available, ensuring you get an unbeatable deal on your vehicle loan. Our flexible loan terms are crafted to fit seamlessly into your budget and lifestyle, whether you prefer a short-term plan or a longer repayment period.
We know how important it is to get on the road quickly, so our streamlined application process is designed for fast approvals, allowing you to drive away in your new vehicle without unnecessary delays.
Honesty is at the core of our services. With Service Credit Union, you can trust that there are no hidden fees or unexpected charges. Our straightforward loan terms ensure complete transparency, so you always know what to expect.
Personalized Customer Service
Exclusive Member Benefits
Community-Focused
Our dedication to personalized customer service truly sets us apart. At Service Credit Union, our team of experienced financial advisors is here to guide you every step of the way, from application to final payment, ensuring a smooth and supportive loan experience.
As a member of Service Credit Union, you’ll enjoy access to exclusive perks, discounts, and special offers. We provide a range of financial products and services designed to meet your needs and enhance your membership experience.
We are committed to giving back to the community. When you choose Service Credit Union, you’re supporting local initiatives and helping to drive community growth and development.
Experience the Service Credit Union difference today. Apply for your vehicle loan and take advantage of our competitive rates, flexible terms, and outstanding customer service. 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.
Already have a car loan? Read our blog post on five reasons to consider refinancing your auto loan.
Vehicle Loan Rates
| Rates Starting At: | ||
|---|---|---|
| Automobiles | 4.99% APR* | Apply for a vehicle loan Now |
| Motorcycles | 8.24% APR* | Apply for a vehicle loan Now |
| Scooters | 8.84% APR* | Apply for a vehicle loan Now |
| ATVs, Personal Water Vehicles, Snowmobiles | 8.84% APR* | Apply for a vehicle loan Now |
| UTVs | 8.84% APR* | Apply for a vehicle loan Now |
| RVs/Campers | 10.24% APR* | Apply for a vehicle loan Now |
| Boats | 10.24% APR* | Apply for a vehicle loan Now |
Car Loan Calculator
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
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. 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
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
Helpful Resources
Service CU Member Reviews
*Rates shown are Annual Percentage Rate (APR), accurate as of 12/03/2024 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: 5.74%APR less .75% = 4.99%). 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.