Vehicle Financing Options for Cars to Boats and Everything In Between
New Car Loans
• 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.
Used Car Loans
• 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.
Refinance Car Loans
• 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.
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
Get the best deal with some of the lowest interest rates available. Our flexible terms fit your budget and lifestyle, offering both short and long repayment periods.
Our streamlined application ensures fast approvals, so you can hit the road without delays.
Experience honesty with no hidden fees or unexpected charges. Our clear terms provide complete transparency.
Personalized Customer Service
Exclusive Member Benefits
Community-Focused
Our team of experienced advisors supports you from application to final payment, ensuring a smooth loan experience.
Enjoy perks, discounts, and special offers tailored to enhance your membership experience.
Choosing Service Credit Union supports local
initiatives, driving 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 | 5.99% 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
Calculate your estimated payment based on our current rates.
Indirect Lending
u003cpu003eDid 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 u003ca href=u0022https://servicecu.org/about-us/become-a-member/u0022u003ecredit union memberu003c/au003e, 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.u003c/pu003enu003cpu003eDealers can contact our Indirect Lending Department at: u003ca href=u0022tel:+16035594385u0022u003e603.559.4385u003c/au003e or u003ca href=u0022tel:+18009367730u0022u003e800.936.7730u003c/au003e, ext. 3555u003c/pu003e
AutoSMART
u003cpu003eTake 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.u003ca title=u0022AutoSMART Auto Buying Centeru0022 href=u0022https://servicecu.cudlautosmart.com/u0022u003eVisit AutoSMART to get started.u003c/au003eu003c/pu003e
Love My Credit Union Rewards®
u003cpu003eLearn how you can get a $100 cash reward when buying a vehicle through the Love My Credit Union Rewards program. u003ca href=u0022https://links.lovemycreditunion.org/client/love_my_cu/banner/?bid=5715u0026amp;campid=77u0026amp;clientid=24921u0026amp;sid=1u0022 target=u0022_blanku0022 rel=u0022noopeneru0022u003eLearn more about our Love My Credit Union Rewards programu003c/au003e.u003c/pu003e
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 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.
