Auto Loans

New & Used Auto Loans

A sfcu auto loan puts YOU in the driver's seat. With flexible terms and great rates you will be hitting the road with a payment that fits your budget.

Driving Sense

Finding the car of your dreams then realizing the payment isn't going to fit your budget is a real bummer! A Driving Sense loan with sfcu might be the solution! It has all the benefits of leasing but none of the hassle!

No first or last payment or money due at signing.
Vehicle owner flexibility.
No acquisition fees.
Mileage options of 12,000, 15,000, or 18,000 per year available.
Option to sell, trade, refinance, or payoff at any time during your loan term without any early termination fees.
Or simply surrender your vehicle and "walk away" at loan maturity.

Learn More

Calculate your Driving Sense payment

Classic Car Loans

Getting behind the wheel of a classic beauty is within reach with a sfcu Classic Car Loan. These automotive legends have weathered the decades, but with some ingenuity, you can still get behind the wheel of most of them.

Refinance TODAY

Ask us how we might be able to save you money by refinancing your existing loan to a loan rate sfcu loan!

Click here for current rates

Apply Today

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Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

COVID Pandemic Updates

Market St and Oneida St Branches in Oneonta are currently offering drive-up service only (lobbies are closed)

All remaining sfcu branch lobbies and drive-up locations are operating on usual business hours

Auto Loans