AUTO LOANS

HIT THE ROAD IN A NEW OR USED CAR, TRUCK, OR SUV

A credit union car loan with affordable rates as low as APR1 and flexible terms can put the vehicle you want within reach. Get pre-approved today and walk into the dealership knowing you’re getting the best deal—no haggling needed.

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YOU'RE IN THE DRIVER'S SEAT

Couple reviewing car in showroom

With our quick, easy pre-approval process for a credit union car loan, you have more leverage to negotiate a better price when you visit the dealership. We finance new or used cars, trucks, SUVs, motorcycles, and other vehicles at low rates, so you can choose the best option for your budget and lifestyle.

  • Rates as low as APR1
  • Flexible terms that work for you
  • A monthly payment that you can afford
  • No prepayment penalties, so you can pay off your loan anytime
  • No payments until 2025!2
  • Gap Insurance, Debt Protection, Extended Warranty coverage are available to protect your car and your finances
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GETTING STARTED

IT'S EASY TO APPLY

Our simple online application makes it easy to apply for a vehicle loan. In a few easy steps, you can apply for a new loan or get started on refinancing your existing loan. Just give us some basic information about the vehicle and fill in your details, and then we’ll get in touch to discuss your options.

APPLY NOW SEE RATES
retired couple laughing while they drive
GET A GREAT DEAL

SAVE MORE WITH OUR PREFERRED DEALERSHIPS

We work with local dealers to give you the best possible experience when you’re buying a new or used car. Contact one of our preferred dealerships to learn about their competitive pricing and superior customer service.

AUTO LOAN FAQs

Because credit unions are member-owned, credit union car loans may offer better rates and more flexible terms than other types of car loans. As a member of SSSCU, you share in our profits in the form of better rates and benefits.

No, a down payment is not always required for a vehicle loan. Contact us for more details, or start your application and we’ll get in touch to discuss your options.

Yes, we check your credit when you apply for a vehicle loan. If you have a low credit score or a limited credit history, you may still qualify for a loan if you have a co-applicant. Contact us for more information, or start your application and we’ll get in touch to discuss your options.

We offer loans for a range of different types of vehicles, including:

  • Cars, vans, and trucks
  • Boats, RVs, ATVs, and other power sport vehicles
  • Motorcycles
  • Towable trailers

Yes, we offer loans for used vehicles. Contact us for more information, or start your application and we’ll get in touch to discuss your options.

EXPLORE OUR VEHICLE LOANS

Loans

Boat & RV Loans

Finance a new or used boat, RV, or ATV at a low, competitive rate and get ready for your next adventure in the great outdoors.

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Loans

Refinance Auto Loans

Save up to 2% on your rate and get flexible terms that work for you when you refinance your vehicle loan from another lender.

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Loans

Auto Title Loans

Use the equity in your vehicle to borrow the extra cash you need at lower rates than credit cards and unsecured loans.

Learn more

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Disclosures

1 Annual Percentage Rate

2Interest will continue to accrue through the deferred payment period.

Actual rate depends on credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation. Rates, terms, and conditions are subject to change.

The maximum APR1 will not exceed 16.79%. Loan amount may exceed 100% of the Loan-to-Value (LTV) of the vehicle with additional terms and conditions to qualify. Payment example: The payment per $1,000 for a car loan with a term of 60 months at 5.99% APR will be $19.34. Other terms, conditions, fees, and collateral requirements may apply. Other vehicle loan programs may be available.

Membership eligibility is required. Must be a Silver State Schools Credit Union member to borrow. Membership at SSSCU requires a savings account with a minimum balance.