AUTO LOANS
Ready to Hit the Open Road
Competitive Low Rates
Pre-Qualify without impacting your credit score*
Flexible Terms
Finance New or Used Vehicles
Get behind the wheel with confidence. Our auto loans offer competitive rates, flexible terms, and a quick, easy application process so you can focus on finding the right vehicle, not worrying about financing.
Easy Online Application
Applying is quick and secure. Get pre-qualified before you shop so you can negotiate like a cash buyer.
Benefits For You
✅ Fast pre-qualification that won't impact your credit.*
✅ Great auto loan rates every day.
✅ Flexible terms to meet your needs.
*Prequalification is a soft inquiry, which means it does not affect your credit score. If you proceed with the application, a hard inquiry will be made, which may affect your credit score.
Credit Life
Disability Insurance
Credit Disability Insurance helps cover your loan payments if you lose income due to an accident or disability. Ask your loan officer about enrolling. This coverage is offered through Allied Solutions, a Minnesota Life Insurance Company partner.
GAP
GAP (Guaranteed Asset Protection) covers the difference between your insurance payout and remaining loan balance if your vehicle is totaled or stolen, helping protect you from unexpected financial loss.
Route 66 Warranty
Mechanical Breakdown Protection from Route 66 Warranty covers new and used vehicles at any mileage, protecting you from major repair costs nationwide—with no deductible on covered parts or labor.
Auto Loan Rates
| As of May 1, 2026 | ||||
|---|---|---|---|---|
| Term | New Vehicle (2024 or Newer) | Used (2020-2023 Model) | Used (2013-2019 Model) | Collectors Classic (25 Years or Older Model) |
| Up to 36 Months | As low as 4.74% APR* | As low as 5.29% APR* | As low as 6.29% APR* | As low as 6.59% APR* |
| 37-48 Months | As low as 4.74% APR* | As low as 5.29% APR* | As low as 7.19% APR* | As low as 7.59% APR* |
| 49-60 Months | As low as 4.74% APR* | As low as 5.29% APR* | As low as 8.74% APR* | As low as 9.09% APR* |
| 61-72 Months | As low as 5.24% APR* | As low as 6.24% APR* | ||
| 73-84 Months | As low as 6.74% APR* | As low as 7.19% APR* |
All loans subject to approval and rate may vary depending on individual's credit history and other factors. Refinancing restrictions apply. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Membership required.
*APR = Annual Percentage Rate. Rates may vary depending on individual's credit history and other factors. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. Must be an SRP FCU member to obtain a loan.
Minimum amount financed for 49-60 months is $10,000.
Minimum amount financed for 61-72 months is $15,000.
Minimum amount financed for 73-84 months is $25,000.
For model years 2024 or newer with greater than 48,000 miles see Used Auto Model Years 2020 - 2023 rates.
Additional terms and conditions apply for vehicles with mileage in excess of 100,000 miles.
Payment Example: Vehicle loan of $20,000 for 60 months at 4.74% APR will have a monthly payment of $376.
