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Auto Loans

Get the auto loan you need to buy your next vehicle

Competitive rates and flexible terms mean there are plenty of options to fit your budget. Whether you are buying a new or used vehicle in New York or looking to refinance, SFCU Auto Loan Professionals are here to help.

Apply for an Auto Loan
Low rates

Low rates

Keep more money in your account over the life of the loan with a low-rate car loan from SFCU.

No Monthly Maintenance Fees

Direct Deposit Cash Rewards

Opt-in to receive a monthly cash back reward for each qualifying loan you have with SFCU.

Flexible terms

Flexible terms

Choose the payment that works best for your budget with flexible terms up to 84 months.

Refinance

Refinance

Move your existing auto loan to SFCU, and we may be able to save you money each month. Refinance and put the savings in your account!

Shop any lot

Shop any lot

An SFCU auto loan works right through the dealer of your choice, so you can shop at your favorite lot with more convenience.

Driving Sense Loans

Driving Sense Loans

Get all the flexibility of leasing but the advantages of buying.

SFCU Auto Loan Rates

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As low as APR*

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Low Rates

Low rates and flexible terms, what's not to like?!

Don't break your budget buying a vehicle. With low rates and flexible terms on an auto loan from SFCU, you can keep more money in your pocket and choose a monthly payment that works for you. Even better, SFCU auto loans work for a wide variety of vehicles, so you can purchase the perfect one to suit your unique needs.

Apply for an Auto Loan or to Refinance
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Driving Sense Loan

All the benefits of leasing. None of the hassle.

There's nothing worse than finding the car of your dreams but realizing the payment won't fit your budget. Luckily, there's a solution! A Driving Sense loan from SFCU gives you all the benefits of leasing with none of the hassle.

Learn About Driving Sense
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Auto Loan Frequently Asked Questions

  • Yes, SFCU offers auto loan pre-approvals to help you shop for a vehicle with confidence.

    Getting pre-approved allows you to understand how much you may be eligible to borrow before you start shopping for a car. A pre-approval can help you establish a budget, compare vehicles within your price range, and better understand your financing options before visiting a dealership or purchasing from a private seller.

    Having an auto loan pre-approval can also streamline the vehicle buying process by giving you a clearer picture of your monthly payment and financing terms in advance.

    To get started, apply for an auto loan with SFCU and we’ll review your application to determine your pre-approval eligibility.

  • Yes. SFCU considers applicants with a wide range of credit histories and evaluates each auto loan application individually.

    Having less-than-perfect credit does not automatically disqualify you from getting an auto loan. Our lending team reviews multiple factors when evaluating an application, including credit history, income, debt obligations, and overall ability to repay the loan.

    If you’re concerned about your credit, SFCU will work with you to explore available financing options and help identify solutions that fit your budget. We are committed to helping members find affordable lending options and create a manageable repayment plan whenever possible.

    Applying for an auto loan can also provide an opportunity to discuss ways to strengthen your financial position and improve your future borrowing options.

  • The amount you can borrow for an auto loan depends on factors such as the vehicle’s value and your credit score,

    Borrowers with a 740+ credit score can finance 125% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a 700-670 credit score can finance 120% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a 669 – 630 credit score can finance 100% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.  Proof of income will also be required.

    Borrowers with a no credit score can finance 100% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.  Proof of income will also be required.

    Borrowers with a 629 – 600 credit score can finance 90% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a credit score 599 and below can finance 80% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

  • What Information Do I Need to Apply for an Auto Loan?

    The information and documents you’ll need depend on whether you’ve already selected a vehicle and whether you’re purchasing from a dealership or a private seller.

    What if I haven’t chosen a vehicle yet?

    That’s okay. SFCU can often provide a pre-approval based on your application, giving you the flexibility to shop for your vehicle. Vehicle information will be required before your auto loan can be finalized.

    What if I’m buying a vehicle from a dealership?

    If you’ve already selected a vehicle and are purchasing from a dealership, you’ll need to provide a signed purchase agreement.

    When you apply, you’ll also be asked for details about the vehicle, including:

    • Year
    • Make and model
    • Mileage
    • Purchase price

    What if I’m buying a vehicle from a private seller?

    If you’re purchasing a vehicle from a private seller, you’ll need to provide:

    • A copy of the front and back of the vehicle title
    • A lien release, if applicable
    • A purchase agreement that includes:
      • Date of purchase
      • Buyer’s name
      • Seller’s name
      • Vehicle year, make, and model
      • Vehicle Identification Number (VIN)
      • Purchase price
      • Signatures of both the buyer and seller

    What if there is still a lien on the vehicle?

    If the vehicle still has an outstanding lien, you’ll need to provide the current lienholder’s information, including a 10-day payoff amount.

    What if I’m buying out my leased vehicle?

    If you’re purchasing your vehicle at the end of a lease, SFCU will need a signed purchase contract from the leasing company before the auto loan can be finalized.

    What documents are needed before my auto loan can be finalized?

    Before finalizing your auto loan, SFCU will request:

    • Proof of insurance with SFCU listed as the lienholder
    • A copy of the warranty agreement, if you’re purchasing a warranty

    Proof of income may also be required depending on your application and financial circumstances.

    Having your vehicle information and required documents ready can help make the auto loan process faster and smoother.

     

  • We require a copy of your declaration page for the loan collateral (insurance binders expire after 30 days). Notices(s) will be sent if proper proof is not provided. You may ask your insurance provider to supply this if it is more convenient.

    How to Provide Your Insurance Policy Declaration Page:

    • Upload: https://www.myloaninsurance.com/sidneyfcu. Have the Reference # and PIN provided on the letter you received available.
    • Email: sidneyfcu@myloaninsurance.com (file type: PDF, PNG, TIF or JPG)
    • Fax: 877.419.8521
    • Mail: Sidney FCU, Insurance Tracking Center, PO Box 924281, Fort Worth, TX 76124

    Requirements: Continuous insurance with no lapses, Sidney FCU named as lien holder/loss payee, and both comprehensive and collision coverage (or physical damage) with deductibles not greater than $1,000. Note: An Insurance ID Card is NOT adequate evidence of the required physical damage insurance.

    If proof is not provided, we will buy insurance coverage on the collateral and charge the cost to you.

  • The amount you can borrow for an auto loan depends on factors such as the vehicle’s value and your credit score,

    Borrowers with a 740+ credit score can finance 125% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a 700-670 credit score can finance 120% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a 669 – 630 credit score can finance 100% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.  Proof of income will also be required.

    Borrowers with a no credit score can finance 100% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.  Proof of income will also be required.

    Borrowers with a 629 – 600 credit score can finance 90% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

    Borrowers with a credit score 599 and below can finance 80% of the MSRP or retail value including tax and tags. GAP insurance and an extended warranty up to $4,000 may be added on top of the LTV limits.

I went in to get a car loan The process was simple and easy The staff at the branch were friendly and helpful I've never had a better experience getting a loan

— Joyce B

How it works

It's easy to get your car through SFCU.

  • 1

    Apply now

    It takes only minutes to fill out the online application.

  • 2

    Get response

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Buy your car

    Then you can use the funds to buy your vehicle.

Apply for an Auto Loan

 

Have a question? Get in touch with us

There's no need to break the bank buying a car

With an auto loan from SFCU, you can enjoy low rates and flexible terms to buy the vehicle you need AND stay on budget. Talk about a win, win!

Apply for an Auto Loan

Auto Loans Rates

Rates effective as of: October 13, 2026



APR = Annual Percentage Rate Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU.

Credit Union membership is required with a $5 minimum deposit.

Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.

Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.

Rates are subject to change without notice.

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We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.

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Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

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Let's Get Started!

Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy.  Just click the link below to begin opening your account.

Open an Account

Already a Member?

Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

Add a Product

 

Check your application status

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SFCU Closed for Indigenous People's Day Please be advised that all SFCU branches will closed on Monday, 10/12/2026. Our ATMs and chat services will be available.