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Auto Financing at the Dealership

Ask for SCCU when you meet with the dealer

Get your car and your loan in one easy step when you apply for auto financing at the dealership! Our SCCU participating dealers are Watchdog approved to help you get the best vehicle for you, with the best financing. They’ll take your application right at the dealership and submit it to SCCU for fast approval.

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Product Features

  • Purchase and Finance Your Vehicle at the Dealership

  • Dealership Completes and Submits your Application

  • Fast Approval Decisions
  • No Application Fees
  • Low Auto Loan Rates8 for New and Used Vehicles
  • Flexible Terms9
  • No Payments for up to 90 Days11
  • Simple Electronic Closing with Express Sign
  • Automatic Online Bill Pay
  • No Pre-Payment Penalties
  • SCCU Membership, with Free Online and Mobile Banking60
  • SCCU Member Service for the Life of the Loan
  • Exclusive Rates for Community Heroes
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Payment Calculators
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Terms & Fees
Terms

Up to 84 Months
Application Fees

None
Pre-payment Penalties

None

Quick Links

Auto Loan Purchase Interest Rates

Effective Date: January 13, 2026
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Payment Period Purchase APR* "As Low As" Minimum Loan Amount Payment per $1,000
Up to 48 Months 5.49% No minimum loan amount $23.26
Up to 66 Months 5.99% $10,000 $17.83
Up to 75 Months 6.49% $12,000 $16.27
Up to 84 Months 6.74% $20,000 $14.97

Rates shown are fixed Annual Percentage Rates for vehicle model years 2024 and newer. Rates are subject to change. Your actual rate and terms are affected by your creditworthiness, term selected, vehicle type, and model year. Certain restrictions apply. You may be asked to furnish a down payment. Florida loans are subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR.

Disclosures

Loans are subject to credit approval. Your actual rate and terms are affected by your creditworthiness, term selected, vehicle type, model year, and loan to value (LTV).
TERMS: Monthly payments of $19.68 per $1,000 borrowed for 60 months at 6.74% Annual Percentage Rate (APR) for new and used cars. About this Example: The loan costs example is based on the most common selected rate and repayment months term, and assumes that all the payments are made on the date they are due.
AUTO PAYMENT DEFERRAL: Optional. Qualified borrowers only, available for terms up to 84 months. First payment may be deferred up to 90 days; your deferment may be 90 days or less. When selecting the 90 days no payment option, your interest accrues from date of the contract, and will continue to accumulate on a daily basis. This will 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. This will extend the length and payoff date of your loan term. Deferred payment is not available for refinances of existing SCCU auto loans.