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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 or looking to refinance, SFCU Loan Professionals are here to help.


Low rates

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


Eligible for Member Rewards

Receive 0.50% discount off the rate when you direct deposit your payroll, pension or social security.


Flexible terms

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



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!

046-time is money

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.

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Driving Sense Loans

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


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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.

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Classic Car Loan

Turn your dream car into a reality

Spend less time dreaming about the good old days, and start reliving them with a Classic Car loan from SFCU! With a variety of terms the classic car of your dreams is just a few clicks away!

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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.

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Auto Loan Frequently Asked Questions

  • We appreciate you financing your vehicle with SFCU. 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: Have the Reference # and PIN provided on the letter you received available.
    • Email: (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.

    Questions? Call 877.244.8212

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

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!

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