Auto loans
Following your own journey has never been easier by financing your vehicle with an Auto Loan from SkyPoint Federal Credit Union.
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Packed with the best features
Know you’re getting the best deal with our competitive rates that will stay fixed for the term of your loan.
Get a fixed loan term up to 84 months for new or used cars.
Enjoy the freedom and flexibility of Skip-A-Pay. Skip up to two payments per rolling 12-month period on an eligible vehicle loans.
Protect your loan from the unforeseen with GAP insurance.
Protect you and your loved ones from unexpected circumstances with Paysure
Keep your vehicle on the road longer and minimize out-of-pocket expenses with Route 66 Extended Warranty.
New Auto loan rates**
| Terms | APR* | Other Conditions |
|---|---|---|
| 1 – 36 Months | 5.09% | |
| 37 – 48 Months | 5.34% | |
| 49 – 60 Months | 6.09% | |
| 61 – 72 Months | 6.34% | Minimum $25,000 loan amount |
| 73 – 84 Months | 6.84% | Minimum $25,000 loan amount |
Used Auto loan rates
| Terms | APR* | Other Conditions |
|---|---|---|
| 1 – 36 Months | 5.59% | |
| 37 – 48 Months | 5.84% | |
| 49 – 60 Months | 6.59% | |
| 61 – 72 Months | 6.84% | Minimum $25,000 loan amount |
| 73 – 84 Months | 7.34% | Minimum $25,000 loan amount |
Follow your journey
Explore our Auto loan options
Whether purchasing a new or pre-owned vehicle, we’ll get you on the road faster with the best deal in town.
- Competitive Fixed Rates
- Loan Amounts up to $100,000
- Finance a 2018 model car or newer
Looking to lower your payment or shorten your term? Refinancing your car is the way to go.
- Competitive Fixed Rates
- Loan Amounts up to $100,000
- Finance a 2018 model car or newer
Sometimes life calls for a little fun! Whether on the water or open road, SkyPoint can finance your boat or Recreational Vehicle.
- Competitive Fixed Rates
- Loan Amounts up to $150,000
- Finance a 2015 model new or used
Get a car through our new credit improvement plan that is customized to you, with the goal of putting you in a reliable ride.
- Loans up to $20,000
- Terms up to 60 months
- Finance a 2018 model car or newer and up to 100,000 miles
Apply in 3 easy steps
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Apply for your loan in minutes!
* APR = Annual Percentage Rate. The APR offered for the above loans may be higher than the rate stated based on certain credit worthiness criteria. The above auto loan rates include a 0.25% discount for automatic transfer payments. If the automatic transfer payment stops, for any reason, the APR may increase to the undiscounted rate. Rates are dependent on individual qualification and are subject to change at any time without notice. Payment example: $25,000 at 7.09% APR; 84 monthly payments of approximately $378.42. Contact the credit union for full details.
** A new vehicle is eligible for a refinance with the above rates if you are the original owner, the vehicle was purchased within the last 6 months and is current (2024) or previous (2023) model year.
Resources to Help Guide You Through Life
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When Leasing a Car Is the More Frugal Option
The least frugal option traditionally has been leasing, where you make monthly payments to drive a car but don’t own it. You’re paying for the vehicle during its most expensive period — cars lose more than half their value on average in the first three years
