Chat with us,powered by LiveChat
Skip to Main Content
St. Cloud Financial CU

You are leaving St. Cloud Financial CU web site to go to a site not operated by the credit union. St. Cloud Financial CU is not responsible for the content of that web site. St. Cloud Financial CU does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies may differ from those practiced by St. Cloud Financial CU.

CONTINUE
RETURN TO SITE
App Store Logo Google Play Logo
App Store Logo Google Play Logo

Auto Loans

Auto rates as low as *!

Auto Loans
LEARN MORE
Auto Loan Rates
LEARN MORE
Payment Saver
LEARN MORE
Refinance Your Auto Loan
LEARN MORE
Use Your Vehicle as Collateral
LEARN MORE
Submitting Proof of Insurance
LEARN MORE

Enjoy The Ride With An Auto Loan From SCFCU

Whether you’re looking to buy a brand-new car or a used car, St. Cloud FCU is here to help you get the keys to your new set of wheels!

Our auto loans are customizable and convenient:

  • Up to 125% financing

  • Low, affordable rates

  • Flexible loan terms

  • Same-day financing

We also offer refinancing – let us beat your rate!

Apply now to purchase your new wheels or let us Pre-Approve you! 

 
 

Auto Loan Rates

We have the best rates in town – check it out!

Save Money With St. Cloud FCU

At St. Cloud FCU, we offer payment saver auto loans that allow you to own your new vehicle while also making lower than conventional payments! You pick the term of your agreement and your mileage limit, with no downpayment needed!

We offer 24-72 month financing on our payment saver auto loans. Both new and used vehicles are eligible for these auto loans. Say goodbye to “surprise” payment amount changes; with our payment saver plan, you always know what you’re paying.

  • New & Used vehicles eligible 

  • No down payment Required

  • No Security Deposit Required

  • No First and Last Payment Required

  • No “Surprises”- Always know what you’re paying for

  • Better mileage options on 12, 15, & 18,000/year & only .10/mile

  • No Early Payoff Penalty-Since you own it you can.. sell, trade it in or pay it off

  • Local Return Option-Moved during your term? No problem you can return your vehicle to a dealership near you at the end of your term

What are my options at the end of or during term agreement?

  1. You can sell the vehicle and pay off the residual value, the rest is yours!
  2. Use the vehicle as a trade-in
  3. Keep the vehicle and refinance the remaining balance
  4. Return the vehicle at loan end

Dealerships that use our Payment Saver Program:

  1. Gilleland Chevrolet
  2. Luther Honda
  3. Hyundai
  4. Miller Auto Plaza
  5. Tenvoorde Ford
 

Always Be Prepared

Life is full of unexpected surprises! You never know what is going to happen next, which is why St. Cloud FCU wants to make sure you are protected!

St. Cloud FCU offers both GAP and debt protection to ensure you are covered in case any accidents occur! Protect your vehicle with one of our affordable warranties, and always be prepared!

Guaranteed Asset Protection (GAP)

GAP is an optional insurance policy that can help you cover the difference between the actual cash value of your vehicle and the amount you owe on your auto loan. GAP insurance also covers the difference between the insurance payout and the outstanding balance on your auto loan in the event of an accident.

St. Cloud FCU offers GAP insurance as an optional add-on with your auto loan. With our GAP insurance, you can have peace of mind that you are covered. Our GAP insurance also offers an auto deductible to reimburse you in the event of an accident!

Debt Protection

Another way you can be prepared with your auto loan is with our debt protection services. Debt protection is a financial service from St. Cloud FCU that provides a safety net for you and your family in the event you are unable to make your loan payment due to unforeseen events.

Give yourself some peace of mind with our debt protection services. At St. Cloud FCU, we are here to help you protect your dreams and safeguard your family from financial hardship for just pennies a day.

Refinance Your Auto Loan

If you have an existing auto loan from somewhere else…We forgive you! St. Cloud FCU can offer you better rates and better service! Lower your monthly payments and reduce the total amount of interest you pay on your existing auto loan with us!

Own a Vehicle Without a Loan?

Using your vehicle as collateral is often one of the cheapest ways to borrow money for things like:

  • Buying a boat

  • Paying off high-interest-rate debt 

  • Building a deck

 

Auto Loan Pre-Approval

Shop with confidence, knowing exactly how much you can spend when shopping for your new ride! Our auto loan pre-approvals are here to help you shop with confidence, know your creditworthiness before shopping, and help you negotiate better.

Submitting Proof of Insurance

 

I received a letter requesting a current copy of my insurance. How do I provide that to you?

For your convenience, you or your insurance agent may furnish evidence of insurance in the following ways:

  • Use the Reference ID on your letter to access your account on www.myinsuranceinfo.com. You should have your insurance policy on hand when you visit the insurance verification website.
  • Drop off or mail a copy of your insurance policy meeting the required conditions to your local branch.

What is required and acceptable as evidence of insurance?

For your convenience, you or your insurance agent may furnish evidence of insurance in the following ways:

  • List St. Cloud Financial Credit Union as Lienholder or Loss Payee
  • Must include Comprehensive Coverage
  • Must include Collision Coverage