Features at a glance
- Rates as low as 5.74% APR1
- Fast approval process
- Flexible terms up to 84 months
- 100% financing for qualified borrowers
- Convenient dealer direct lending program
In the market for a new car? Whether you want to get pre-approved or apply for financing at the dealership, Scott Credit Union has the solution for you!
Or, call our Loan Center directly at (618) 381-7300.
Get Pre-Approved
When you get a pre-approval, dealers know that you’re a serious buyer. You know you have great, low-rate financing from Scott Credit Union.
Dealer Direct Program
Our Dealer Direct program offers Scott Credit Union financing at the dealership. This means you can apply for our low-rate loans and purchase your new/used vehicle at the dealership – without visiting one of our branches.
1APR=Annual Percentage Rate. Rate shown is valid as of March 20, 2023. Rate of 5.74% APR is for credit qualifying members for 60 month loans for 2024-2022 vehicles. Rates are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Loan example: The monthly payment of a $10,000 loan at 5.740% APR for 60 months would be $192.12.. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
Features at a glance
- Fast approval process
- 100% financing for qualified borrowers
- Convenient dealer direct lending program
Get Pre-Approved
When you get a pre-approval, dealers know that you’re a serious buyer, while you know that you have great low-rate Scott Credit Union financing.
Dealer Direct Program
Our Dealer Direct program offers Scott Credit Union financing at the dealership. This means you can apply for our low-rate loans and purchase your new vehicle at the dealership – without visiting one of our branches.
| Automobile Loans | |||
|---|---|---|---|
| Model Years | Minimum Loan Amount | Term | APR1 |
| 2024 – 2022 | $25,000 | 84 Months | as low as 8.24% |
| 2024 – 2022 | $15,000 | 72 Months | as low as 6.99% |
| 2024 – 2022 | $5,000 | 60 Months | as low as 5.74% |
| 2021 – 2018 | $25,000 | 84 Months | as low as 9.24% |
| 2021 – 2018 | $15,000 | 72 Months | as low as 7.99% |
| 2021 – 2018 | $5,000 | 60 Months | as low as 6.74% |
| 2017 – 2014 | $15,000 | 72 Months | as low as 9.24% |
| 2017 – 2014 | $5,000 | 60 Months | as low as 7.74% |
| 2013 & Older | $5,000 | 60 Months | as low as 9.74% |
| Motorsports (Motorcycles & ATVs) | |||
|---|---|---|---|
| Model Years | Minimum Loan Amount | Term | APR1 |
| 2024 – 2022 | $15,000 | 72 Months | as low as 9.49% |
| 2024 – 2022 | $5,000 | 60 Months | as low as 8.49% |
| 2024 – 2022 | $500 | 48 Months | as low as 8.24% |
| 2021 – 2018 | $15,000 | 72 Months | as low as 9.99% |
| 2021 – 2018 | $5,000 | 60 Months | as low as 8.99% |
| 2021 – 2018 | $500 | 48 Months | as low as 8.74% |
| 2017 – 2014 | $5,000 | 60 Months | as low as 10.49% |
| 2017 – 2014 | $500 | 48 Months | as low as 10.24% |
| 2013 & Older | $5,000 | 48 Months | as low as 11.24% |
| Boats, Campers, & RVs | |||
|---|---|---|---|
| Model Years | Minimum Loan Amount | Term | APR1 |
| 2024 - 2022 | $35,000 | 180 Months | as low as 10.70% |
| 2024 - 2022 | $15,000 | 120 Months | as low as 9.95% |
| 2024 - 2022 | $10,000 | 84 Months | as low as 9.20% |
| 2024 – 2022 | $5,000 | 60 Months | as low as 8.70% |
| 2021 – 2018 | $35,000 | 180 Months | as low as 11.70% |
| 2021 – 2018 | $15,000 | 120 Months | as low as 10.95% |
| 2021 – 2018 | $10,000 | 84 Months | as low as 10.20% |
| 2021 – 2018 | $5,000 | 60 Months | as low as 9.70% |
| 2017 - 2014 | $15,000 | 120 Months | as low as 11.45% |
| 2017 - 2014 | $10,000 | 84 Months | as low as 10.70% |
| 2017 - 2014 | $5,000 | 60 Months | as low as 10.20% |
| 2013 & Older | $15,000 | 120 Months | as low as 11.95% |
| 2013 & Older | $10,000 | 84 Months | as low as 11.20% |
| 2013 & Older | $5,000 | 60 Months | as low as 10.70% |
1APR=Annual Percentage Rate. Rate shown is valid as of March 20, 2023. Rates are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Loan example: The monthly payment of a $10,000 loan at 5.740% APR for 60 months would be $192.12. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
2APR=Annual Percentage Rate. Rate shown is valid as of March 20, 2023. Rates are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Loan example: The monthly payment of a $10,000 loan at 8.490% APR for 60 months would be $205.12. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
3APR=Annual Percentage Rate. Rate shown is valid as of March 20, 2023. Rates are subject to change and are based on the term of the loan, as well as your credit history. A 20% equity position is required for terms greater than 120 months. Loan example: The monthly payment of a $10,000 loan at 9.20% APR for 84 months would be $161.91. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
- 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 here.