Auto Loans made simple
Drive Off with Confidence —
Low Rates
Flexible Terms
Local Lending Support
No payments for 90 days
Why Finance with SRCFCU?
Competitive Rates & Terms — Flexible options for new, used, and refinanced vehicles.
No Payments for 90 Days Available — Ask a loan officer how to qualify.
Local, Friendly Lending Team — Personalized support every step of the way.
Auto Protection & GAP Insurance — Add protection that could save you hundreds.
Current Rates
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| New & Used Auto | Up to 36 Months | 4.24% |
| New & Used Auto | Up to 66 Months | 4.99% |
| New & Used Auto | Up to 75 Months | 5.49% |
| New & Used Auto | Up to 84 Months | 5.74% |
Rates apply to:
New or used purchased
Auto refinances from another financial institution
Rates effective October 1, 2025. Subject to credit approval and conditions. Actual rates may vary based on credit history, vehicle age, and term.
Calculate Your Loan Payment
Enter the loan amount, APR, and term to estimate your monthly payment.
No payments for 90 days
Ask about our no payments for 90 days program with your friendly loan officer.
save money on your auto protection plan
Our GAP Insurance is Lower Than Most!
When you finance your Auto Loan through Santa Rosa County Federal Credit Union, you can tag on an amazing deal on GAP insurance compared to purchasing it elsewhere, saving you hundreds of dollars! An Auto Protection Plan & Extended Warranty helps you drive with confidence, knowing that your vehicle is covered for the cost of repairs, potentially saving you hundreds or thousands of dollars in automotive repairs. For more details, speak to a loan officer at any of our branch locations and ask about our Auto Protection Plan.
Refinancing Your vehicle
Drive Down Your Payments!
Already have an Auto Loan with another lender?
Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments! Explore options to save more on the road ahead.
Why Refinance with SRCFCU?
Lower Interest Rates
Lock in a better rate and reduce what you pay over time.Reduce Monthly Payments
Free up your budget with more manageable monthly payments.
Pay Less Over the Life of the Loan
A lower rate or shorter term can mean big savings on total interest.
No Payments for 90 Days
Take a break—your first payment isn’t due for 90 days.
What people are saying
“The auto loan process was quick and easy, and the rate was GREAT!”
“I highly recommend SRCFCU if you’re looking for great service and great rates!”
“They were so helpful and made getting a loan so easy and pleasurable!”
Ready to Start Saving?
Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments!
Check Out Our Repo Deals
Drive Home a Deal You Can Feel Good About
Questions? Contact Us
Fill out the form below to request a call back from one of our friendly loan officers.
Learn about our Loan Payment Options.
Disclaimer: *APR= Annual Percentage Rate. Terms and conditions apply. 90-day no payment is not automatic and must be requested through your loan officer. Auto refinances must be through another financial institution to qualify. Federally insured by NCUA.