Skip nav to main content.
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.


Direct Deposit Cash Rewards

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


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.

021-digital investment

Driving Sense Loans

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


View rates
As low as APR*

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

Loan Amount
Loan Rate
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.

Secondary Image (2560 ร— 1710 px) (48)
Our Partners at TruStage


We know that choosing the right insurance is an important decision for your financial future. We provide our members a variety of choices so that you can choose the plan that is right for you and your family. We offer our members options for life insurance, car insurance, homeowner’s insurance, renter’s insurance, and more.

2560 x 1710 (3)
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!

Untitled design (100)
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.

Untitled design - 2023-01-27T102032.268

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.

  • We know your credit score’s importance to financial well-being, so we offer Credit Score, conveniently accessed within mobile banking. Credit Score is FREE to our members, and you can check and refresh your credit score and credit report daily without impacting your score. Do you want to improve your credit score to achieve those goals? Whether buying a house, a car, or anything requiring a loan or if you’re going to rent a new apartment or improve your overall creditworthiness, Credit Score can help you.

    With Credit Score, you can set a credit score goal, receive personalized recommendations, and track your progress toward your goal. You can edit your goal anytime, and you will receive messages when meeting milestones to encourage you along the way.

    And there is more! You can access the following features:

    • Personalized Credit Report
    • Real-Time Credit Monitoring Alerts
    • Credit Score Simulator
    • Credit Score Action Plan
    • Credit Score Education

    Are you ready to reach your financial goals? You got this! Enroll in Credit Score today. Ready, Set, Goal!

  • An essential part of your financial health is to keep an eye on your credit score. Credit scores have become such an integral part of our everyday lives. That’s why it’s extremely important that you keep track and understand how your financial decisions affect those three numbers. Our easy-to-use Score Simulator within Credit Score, available online and on the app. The Score Simulator can take the “what ifs” and generate an approximate credit score that will help you see where you stand. The simulator is an easy way to gain valuable insights into your future eligibility for loans and credit cards.

    How does the Credit Score Simulator work? The tool will share how much your credit score might increase or decrease based on your specific financial decisions.

    Financial decisions such as:

    • Applying for new credit
    • Getting a new loan
    • Managing your credit card balances
    • Managing your payment activity
    • Making payments on time
    Discover how different financial decisions can impact your credit score, and financial health while making reaching your goals easier than ever.

    Simulate Your Score. See Where You Stand. Now.

  • At SFCU, we know that choosing the right insurance is an important decision for your financial future. Through our partnership with TruStage, members have a variety of choices so that you can choose the plan that is right for you and your family. Our partners at TruStage offer our members options for life insurance, car insurance, homeowner’s insurance, renter’s insurance, and more.

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!

We will be CLOSED Saturday, May 25th and Monday, May 27th in observance of Memorial Day. If you are contacted and asked to provide your online banking credentials, passwords or any other SFCU account information, do not share this confidential information! Immediately hang up and call us at the phone number provided on our website during regular business hours. Scammers may try to represent themselves as SFCU staff or create a sense of urgency. Do not become a victim of fraud.