Auto Loans
Low Rates. Great Service.
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.
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.
.25% Rate Discount
When setting up Auto Pay on your Loan
Run the numbers
Monthly Payment
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.
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1
Complete an application
It takes only minutes to fill out an online application.
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2
Get approved
We'll crunch the numbers and let you know if you're approved for an auto loan.
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3
Buy your car
Once approved, use the funds from the loan to purchase a vehicle.
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Disclosures
¹APR = Annual Percentage Rate. Rates effective as of 3/10/2025 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary based on credit history, down payment, and loan term. Posted rates are for loans with 36‑month terms and include a 0.25% APR discount for enrollment in automatic payments from a Superior Choice Credit Union account. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval. For a $30,000 loan with a 36‑month term at 3.74% APR, the monthly payment will be $882.
²Promo rate available to A+ Tier borrowers only with a maximum 80% LTV, collateral age of 4 years or newer, and maximum mileage of 100,000 miles.
*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
| Up to 125% MSRP including taxes, license, warranties, and all other adds | APR as low as¹ |
|---|---|
| New vehicles (next, current, and prior year) | 3.49%¹ |
| Used vehicles 2 years to under 4 years old | 4.74%² |
| Used vehicles 4 years to under 7 years old | 5.74% |
| Used vehicles 7 years to under 10 years old | 6.74% |
Rates effective as of: September 11, 2026
¹APR = Annual Percentage Rate. Rates effective as of 3/10/2025 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary based on credit history, down payment, and loan term. Posted rates are for loans with 36‑month terms and include a 0.25% APR discount for enrollment in automatic payments from a Superior Choice Credit Union account. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval. For a $30,000 loan with a 36‑month term at 3.74% APR, the monthly payment will be $882. ²Promo rate available to A+ Tier borrowers only with a maximum 80% LTV, collateral age of 4 years or newer, and maximum mileage of 100,000 miles. *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.
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