SCCU's Watchdog Auto Loans make buying a new car, used auto, or refinancing an existing vehicle loan easy! Save time and money with our great rates, fast approvals, and convenient application process. We also offer an online closing option with Express Sign!

Auto / Vehicle Loans

All Personal Auto Loans Offer:



Important disclosures, payments, assumptions, and APR information

1RATES: Rates are subject to change. Rates shown are fixed Annual Percentage Rates and are affected by your credit quality, model year, term selected, loan to value (LTV), and payment method. Your rate may be different. Qualified borrowers only. Our usual credit criteria apply. You may be asked to furnish a down payment.
2TERMS: Terms available up to 78 months and are based on your credit quality, vehicle type, model, and year. Our usual credit criteria apply. Your term may be different. Qualified borrowers only.
3DEFERRED PAYMENT: Optional. Interest accrues from date of the contract. Qualified borrowers only, available for terms up to 75 months, certain restrictions apply. First payment may be deferred up to 90 days and is dependent upon when your loan closes. Your deferment may be 90 days or less. Deferred payment is not available for refinances of existing SCCU auto loans. When selecting the 90 days no payment offering, your interest will continue to accumulate on a daily basis from the date you sign your loan agreement. This may result in one or more of your initial payments being applied only to interest, until all accumulated interest is satisfied, and not reduce your principal balance. Certain restrictions apply, based on creditworthiness.’