Auto Loans Made Simple
Rates as low as 4.24% APR*
Drive Off with Confidence —
Low Rates
Flexible Terms
Local Lending Support
No payments for 90 days
Auto Options
Auto Loans
Rates as low as 4.24% APR* for new or used vehicles.
AUTO REFINANCE
Drive down your payments on your current auto loan from another lender.
REPO DEALS
Our Auto Deals offer quality, pre-owned vehicles at competitive prices.
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.
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% |
Calculate Your New Payment
Calculate Your Loan Payment
Enter the loan amount, APR, and term to estimate your monthly payment.
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.
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!”
Loan Payment Options
We’re committed to helping our members find the best option that works for you.
Looking to Refinance an Existing Vehicle?
Drive down your payments on your current auto loan from another lender.
Questions? Contact Us
Fill out the form below to request a call back from one of our friendly loan officers.
Disclaimers: *APR= Annual Percentage Rate. Rates effective October 1, 2025. Actual rates may vary based on credit history, vehicle age, and term. Subject to credit approval and conditions. 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.