AUTO LOANS
Ready to Hit the Open Road
Competitive Low Rates
Pre-Qualify without impacting your credit score*
Flexible Terms
A Better Way to Finance
Whether you're buying a new vehicle, purchasing a used car, or refinancing an existing auto loan from another financial institution, SRP makes financing simple and affordable.
For a limited time, qualifying borrowers can enjoy:
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Auto loan rates as low as 4.99% APR*
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No payments until 2027
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A chance to win your car payments for an entire year, paid by SRP**
*Promotion applies to applications for new and used auto loans received between 10/1/2026 through 11/30/2026. Offer is only valid on vehicle loans not currently financed at SRP FCU. All loans subject to approval and rate may vary depending on individual’s credit history and other factors. Interest will accrue during the 90-day no payment period. Account must be in good standing to receive the incentive, and all loans must be paid current. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Membership required. Visit www.srpfcu.org for membership eligibility.
**Receive one entry for each application for a new auto loan purchase or an auto loan refinance from another financial institution received between 10/01/2026 - 11/30/26 and funded prior to 12/31/2026. Offer not valid on existing auto loans financed with SRP FCU. No purchase or transaction necessary. For official rules and alternate method of entry, visit www.srpfcu.org/officialrules
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
âś… Fast pre-qualification that won't impact your credit.*
âś… Great auto loan rates every day.
âś… 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 October 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 4.99% APR* | As low as 4.99% APR* | As low as 4.99% APR* | As low as 6.59% APR* |
| 37-48 Months | As low as 4.99% APR* | As low as 4.99% APR* | As low as 4.99% APR* | As low as 7.59% APR* |
| 49-60 Months | As low as 4.99% APR* | As low as 4.99% APR* | As low as 4.99% APR* | As low as 9.09% APR* |
| 61-72 Months | As low as 5.99% APR* | As low as 5.99% APR* | ||
| 73-84 Months | As low as 6.99% APR* | As low as 6.99% 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.
*Promotion applies to applications for new and used auto loans received between 10/1/2026 through 11/30/2026. Offer is only valid on vehicle loans not currently financed at SRP FCU. All loans subject to approval and rate may vary depending on individual’s credit history and other factors. Interest will accrue during the 90-day no payment period. Account must be in good standing to receive the incentive, and all loans must be paid current. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Membership required. Visit www.srpfcu.org for membership eligibility.
**Receive one entry for each application for a new auto loan purchase or an auto loan refinance from another financial institution received between 10/01/2026 - 11/30/26 and funded prior to 12/31/2026. Offer not valid on existing auto loans financed with SRP FCU. No purchase or transaction necessary. For official rules and alternate method of entry, visit www.srpfcu.org/officialrules
