Low Rate Auto Loans

Save some cold hard cash with a great auto loan rate!

  • Plus, no payments for 90 days when you finance a new or used car through any of our auto dealer partners or directly through SCU!3
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  • Offer extended through March 31, 2022

Auto Loans

Features at a glance

Interest Rates Certified by Datatrac

  • Rates as low as 1.99% APR2
  • 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.

Click here for a list of participating dealers.


2APR=Annual Percentage Rate. Rate shown is valid as of January 16, 2022. Rate of 1.99% APR is for credit qualifying members for 60 month loans for 2021-2022 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 1.99% APR for 60 months would be $175.23. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply. Title fee paid up to $50 only on loans $10,000 or more and with no change in ownership.

3No payments for 90 days for credit qualifying members. Interest will continue to accrue during 90 day no payment period.

Other Vehicles


In the market for a motorcycle, RV, boat or other type of vehicle? Whether you want to get pre-approved or apply for financing at the dealership, Scott Credit Union has the solution for you!

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.

Click here for a list of participating dealers.

Rates



Automobile Loans
Model Years Minimum Loan Amount Term APR2
2022 – 2021 $25,000 84 Months as low as 4.49%
2022 – 2021 $15,000 72 Months as low as 3.24%
2022 – 2021 $5,000 60 Months as low as 1.99%
2020 – 2017 $25,000 84 Months as low as 4.49%
2020 – 2017 $15,000 72 Months as low as 3.24%
2020 – 2017 $5,000 60 Months as low as 2.49%
2016 – 2013 $15,000 72 Months as low as 4.49%
2016 – 2013 $5,000 60 Months as low as 3.49%
2012 & Older $5,000 60 Months as low as 4.99%


Motorsports (Motorcycles & ATVs)
Model Years Minimum Loan Amount Term APR3
2022 – 2017 $500 48 Months as low as 4.49%
2022 – 2017 $5,000 60 Months as low as 4.74%
2022 – 2017 $15,000 72 Months as low as 5.74%
2016 – 2013 $500 48 Months as low as 5.99%
2016 – 2013 $5,000 60 Months as low as 6.24%
2012 & Older $5,000 48 Months as low as 6.99%

Boats, Campers, & RVs
Minimum Loan Amount Term APR4
$5,000 60 Months as low as 4.95%
$10,000 84 Months as low as 5.45%
$15,000 120 Months as low as 6.20%
$35,000 180 Months as low as 6.95%

2APR=Annual Percentage Rate. Rate shown is valid as of January 16, 2022. 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 1.99% APR for 60 months would be $175.23. 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 January 16, 2022. 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 4.74% APR for 60 months would be $187.52. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.

4APR=Annual Percentage Rate. Rate shown is valid as of January 16, 2022. 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 5.45% APR for 84 months would be $143.47. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.

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Lending Documents

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