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Auto Loans

Low Rates. Great Service.

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Low rates

Save money on your loan with lower rates compared to most other financial institutions.

Flexible terms up to 84 months*

Find a monthly payment that works for your budget with flexible loan terms available up to 84 months.

Shop new or pre-owned

Purchase the car that suits you. SCCU Auto Loans can be applied to both new and pre-owned vehicles.

Upload Proof of Insurance Online

Members can now upload their own proof of insurance online! Rather than having an agent do it, or even faxing or mailing to SCCU. Save yourself some time and upload your proof of insurance online.

Upload Insurance

Simplify the vehicle-buying process

Purchase the vehicle you need with flexible financing and low rates from an Auto Loan from SCCU, with our new AutoSMART service to help you find the best deal near you!

Search for vehicles

Low rates

Save money with low rates on your Auto Loan

Purchasing a vehicle already puts enough financial strain on your budget. Save some money on interest with a low-rate Auto Loan from SCCU. We offer competitive rates that are lower than most other financial institutions, helping you maintain your budget and meet your financial goals. It's also possible to get refinancing on your auto loan to lower your current monthly payments.

Rates as low as APR

View all rates

.25% Rate Discount

When setting up Auto Pay on your Loan

Run the numbers

Monthly Payment

Loan Amount

Rate

Months

A credit union with a focus on you

Why choose us?

When you join SCCU, it's the start of something new. You can trust our ability to provide quality financial products and services that are proven with our 90-year legacy. With us, you are not just another number, you are an individual.

How to get started

Purchasing a vehicle doesn't have to be complicated. Just follow these three simple steps:

1
Complete an application

It takes only minutes to fill out an online application.
2
Get approved

We'll crunch the numbers and let you know if you're approved for an auto loan.
3
Buy your car

Once approved, use the funds from the loan to purchase a vehicle.

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Recreational Loan

Personal Loan

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Disclosures

¹APR = Annual Percentage Rate. Rates effective as of 3/4/2024 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary depending on past credit history, down payment, and approximate term. Posted rates are for loans with 36 month terms. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval. For a $30,000 loan for a term of 36 months with a 5.99% APR, the monthly payment will be $912.

²Promo rate for A+ Tier and 80% LTV or better only, max collateral age of 4 years and max mileage of 100,000

*Promotion only eligible for loans previously held outside of Superior Choice Credit Union. Promotion is subject to change or end at any time without notice. All loans subject to approval. Membership eligibility required. Terms and conditions apply.

Auto Rates

Auto and Motorcycle Rates

Up to 125% MSRP including taxes, license, warranties, and all other adds

APR as low as¹

New vehicles (next, current, and prior year)

5.74%²

Used vehicles 2 years to under 4 years old

5.99%²

Used vehicles 4 years to under 7 years old

6.99%

Used vehicles 7 years to under 10 years old

7.49%

¹APR = Annual Percentage Rate. Rates effective as of 10/14/2024 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary depending on past credit history, down payment, and approximate term. Posted rates are for loans with 36 month terms. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval. For a $30,000 loan for a term of 36 months with a 6.74% APR, the monthly payment will be $923. ²Promo rate for A+ Tier and 80% LTV or better only, max collateral age 4 years and max mileage of 100,000