Whether you want to get pre-approved or apply for financing at the dealership, Scott Credit Union will work with you to find the right loan with the best interest rate and terms for you.
Drive into savings and warm your budget with a 0.50% APR¹ loan discount, plus no payments for 60 days² at participating dealers. Scott Credit Union’s Winter Savings Event makes getting your next vehicle easier with a lower rate and more room in your monthly budget. It’s an easy way to finance your next vehicle with an auto loan that fits your needs.
¹ APR = Annual Percentage Rate. Offer valid December 1, 2025 through January 31, 2026, at participating dealers only. Not valid with any other offer.
² No payments for 60 days for A+ and A borrowers. Interest will continue to accrue during 60 day no payment period. SCU rates are subject to change at any time. Rate reduction is good for any qualifying purchases made at the dealership or at SCU from a participating dealer.
| Dealership Name | Address |
|---|---|
| Ackerman Toyota | 2020 Hampton Ave., St Louis , MO 63139 |
| Action Auto | 204 E Main St, Steelville, MO 65565 |
| Auffenberg Chrysler Dodge | 1108 Auffenberg Ave, Shiloh, IL 62269 |
| Auffenberg Ford | 901 S Illinois St, Belleville, IL 62220 |
| Auffenberg Ford North | 115 Regency Park, O'Fallon, IL 62269 |
| Auffenberg Kia | 1155 Berg Blvd, Shiloh, IL 62269 |
| Auffenberg Mazda | 1116 Auffenberg Ave, Shiloh, IL 62269 |
| Auffenberg Nissan | 1130 Auffenberg Ave, Shiloh, IL 62269 |
| Auffenberg VW | 1122 Auffenberg Ave, Shiloh, IL 62269 |
| Auto Centers of Bonne Terre | 7000 Vo Tech Rd, Bonne Terre , MO 63628 |
| Autry Morlan Chev/Cadillac | PO Box 157, Dexter, MO 63841 |
| Autry Morlan Inc ( Chevrolet GM) | 2505 E Malone Ave, Sikeston, MO 63801 |
| BMW of West St Louis | 14417 Manchester Rd, Manchester, MO 63011 |
| Cape Girardeau Honda | 385 Siemers Drive, Cape Girardeau, MO 63701 |
| Dan Hecht Toyota | 2400 S. Bankers St, Effingham, IL 62401 |
| Dave Sinclair Ford | 7466 S. Lindbergh Blvd., St. Louis, MO 63125 |
| Enterprise - Glen Carbon | 4251 S STATE ROUTE 159, GLEN CARBON, IL 62034 |
| First Auto Credit | 2990 Old Orchard Rd, Jackson , MO 63755 |
| Frank Leta | 511 S. Kingshighway , Cape Girardeau, MO 63703 |
| Frank Leta Mitsubishi | 12101 S. Charles Rock Rd., Bridgeton, MO 63044 |
| Freedom Auto | 625 S Springfield, Viden, IL 62690 |
| Green Nissan | 4801 Wabash Ave, Springfield, IL 62711 |
| Grow Automotive | 7700 Watson Rd, Shrewsbury, MO 63119 |
| Holzhauer Auto | 17933 Holzhauer Automall Dr, Nashville, IL 62263 |
| Jack Schmitt Chevrolet of Wood River | 1870 E Edwardsville Rd, Wood River, IL 62095 |
| Jack Schmitt Chevrolet O'Fallon | 127 Regency Park Dr, O'Fallon, IL 62269 |
| Jack Schmitt Ford | 1820 Vandalia Road, Collinsville , IL 62234 |
| JAML Automotive of Mt Vernon DBA Monken Toyota | 100 S 45th St, Mount Vernon, IL 62864 |
| John Sinclair Nissan | 478 Siemers Dr, Cape Girardeau, MO 63701 |
| Laura Automotive of Sullivan | 7 N Service Rd E, Sullivan , MO 63080 |
| Laura Buick-GMC | 903 North Bluff Rd, Collinsville , IL 62234 |
| Laura Chevrolet Buick GMC of Sullivan | 3 N Service Rd E, Sullivan , MO 63080 |
| Laura Ford of Sullivan | 47 N Service Rd W, Sullivan , MO 63080 |
| Lou Fusz Chevrolet | 5120 North Service Road , St. Peters, MO 63376 |
| Lou Fusz Ford of Highland | 12610 State Rt 143, Highland , IL 62249 |
| Martindale Chevrolet | 521 US Highway 61, New Madrid, MO 63869 |
| Mastercars | 4100 Nameoki Road, Granite City, IL 62040 |
| Monken CDJR/ Nissan | 1739 W Mc Cord St, Centralia, IL 62801 |
| Monken Chevrolet Buick GMC | 1421 West McCord, Centralia, IL 62801 |
| Morlan Dodge | 1110 S Main Street, Sikeston, MO 63801 |
| Morlan Ford AKA Sikeston Ford | 1030 S Main Street, Sikeston, MO 63801 |
| Mungenast's Toyota | 850 E Homer M Adams Pkwy, Alton, IL 62002 |
| Newbold BMW | 1283 Central Park, O'Fallon, IL 62269 |
| Newbold Toyota | 1282 Central Park Dr, O'Fallon, IL 62269 |
| O'Fallon Automotive DBA Serra Honda O'Fallon | 1268 Central Park Dr, O'Fallon, IL 62269 |
| Park Hills Chevy | 1005 E. Main St., Park Hills, MO 63601 |
| Pilson | 2212 Lakeland Blvd, Mattoon, IL 61938 |
| Pundmann Motor Company(Ford) | 2727 WEST CLAY, St Charles, MO 63301 |
| Ridgeways Auto Sales | 2322 Orient Rd, West Frankfort, IL 62896 |
| Sam Scism Motors (Ford) | 5019 Flat River Road #2, Farmington, MO 63640 |
| Sapaugh Motors | 1435 McNutt St, Herculaneum, MO 63048 |
| Si Vallett Auto Sales | 861 N Mill St, Nashville, IL 62263 |
| Sinclair Buick | 5655 S. Lindbergh Blvd., St. Lous, MO 63123 |
| Steve Schmitt Highland | 12631 IL-143, Highland , IL 62249 |
| Suntrup Hyundai | 5926 S Lindbergh, St Louis, MO 63123 |
| Suntrup Kia | 6263 S Lindbergh, St Louis, MO 63123 |
| Suntrup Nissan Volkswagen | 6000 S Lindbergh, St Louis, MO 63123 |
| Tom Boland Ford | 9699 MO-168 , Hannibal , MO 63401 |
| Two Car Guys | 1007 N Truman Blvd, Crystal City, MO 63019 |
| Vic Koenig Chevy | 1040 E. Main St., Carbondale, IL 62901 |
| Webb Chevrolet | 9440 S Cicero, Oak Lawn, IL 60453 |
When you get a pre-approval, dealers know that you’re a serious buyer. Plus, you know you have great, low-rate financing from SCU.
| Model Years | Minimum Loan Amount | Term | APR1 |
|---|---|---|---|
| 2026-2024 | $25,000 | 84 Months | as low as 6.74% |
| 2026-2024 | $15,000 | 72 Months | as low as 4.99% |
| 2026-2024 | $5,000 | 60 Months | as low as 4.49% |
| 2023-2020 | $25,000 | 84 Months | as low as 7.99% |
| 2023-2020 | $15,000 | 72 Months | as low as 5.94% |
| 2023-2020 | $5,000 | 60 Months | as low as 4.94% |
| 2019-2016 | $15,000 | 72 Months | as low as 8.99% |
| 2019-2016 | $5,000 | 60 Months | as low as 7.49% |
| 2015 & Older | $5,000 | 60 Months | as low as 9.49% |
If you’re looking for financing for your next motorcycle, RV, boat, or other vehicle, Scott Credit Union vehicle loans can help with that, too.
Find rates and terms for your next vehicle purchase by model year using the tabs below. Then, start your Scott Credit Union auto loan application to finance your purchase.
| Model Years | Minimum Loan Amount | Term | APR2 |
|---|---|---|---|
| 2026-2024 | $15,000 | 72 Months | as low as 9.24% |
| 2026-2024 | $5,000 | 60 Months | as low as 8.24% |
| 2026-2024 | $500 | 48 Months | as low as 7.99% |
| 2023-2020 | $15,000 | 72 Months | as low as 9.74% |
| 2023-2020 | $5,000 | 60 Months | as low as 8.74% |
| 2023-2020 | $500 | 48 Months | as low as 8.49% |
| 2019-2016 | $5,000 | 60 Months | as low as 9.99% |
| 2019-2016 | $500 | 48 Months | as low as 10.24% |
| 2015 & Older | $500 | 48 Months | as low as 10.99% |
| Model Years | Minimum Loan Amount | Term | APR3 |
|---|---|---|---|
| 2026-2024 | $35,000 | 180 Months | as low as 10.45% |
| 2026-2024 | $15,000 | 120 Months | as low as 9.70% |
| 2026-2024 | $10,000 | 84 Months | as low as 8.95% |
| 2026-2024 | $5,000 | 60 Months | as low as 10.45% |
| 2023-2020 | $35,000 | 180 Months | as low as 11.45% |
| 2023-2020 | $15,000 | 120 Months | as low as 10.70% |
| 2023-2020 | $10,000 | 84 Months | as low as 9.95% |
| 2023-2020 | $5,000 | 60 Months | as low as 9.45% |
| 2019-2016 | $15,000 | 120 Months | as low as 11.20% |
| 2019-2016 | $10,000 | 84 Months | as low as 10.45% |
| 2019-2016 | $5,000 | 60 Months | as low as 9.95% |
| 2015 & Older | $15,000 | 120 Months | as low as 11.70% |
| 2015 & Older | $10,000 | 84 Months | as low as 10.95% |
| 2015 & Older | $5,000 | 60 Months | as low as 11.70% |
Looking for more ways to pay?
Once your application has been approved, you may need to complete one of the forms listed below. Your SCU representative can direct you to the appropriate document.
Please find links to download your application documents below:
Illinois Affirmation of Correction – One in the Same
Illinois Affirmation of Correction – Remove Joint Owner
Illinois Boat Power of Attorney
Illinois Secretary of State Power of Attorney
Missouri General Affidavit – One in the Same
Missouri General Affidavit – Remove Joint Owner
After completion, please upload your lending documents through the link below.
Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more likely there will be a breakdown. The cost of those breakdowns increases as the vehicle gets older. Not making small repairs can lead to even more expensive repairs. Ignoring repairs can be dangerous.
Mechanical Repair Coverage (MRC) can help deflect some of those costly covered repairs while keeping your vehicle running extra miles and extra years. With various coverage levels and deductibles to choose from, there’s a plan to fit your family’s budget.
Contact us to learn more about our coverage options.
Disclosure: Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License#175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.
Your auto insurance may not cover the entire loan balance owed for a wrecked vehicle. That’s where Guaranteed Asset Protection (GAP) can provide peace of mind.
GAP may reduce or even eliminate that insurance pay-out shortfall in the event your vehicle is deemed a total loss. GAP with Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe.
Fair market insurance value isn’t always fair. There may be a gap. Protect your vehicle loan—purchase GAP with Deductible Assistance today!
Disclosure: Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to our loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
Contact the SCU consumer lending team to discuss your needs and get one-on-one help finding the credit union loan solution that is right for you. Scott Credit Union is with you, and your family, to help you continue to make smart borrowing choices and build a healthy financial future.