Auto Loans
Auto rates as low as !
Enjoy the Ride with an Auto Loan from SCFCU
Whether you’re looking to buy a new or used car, St. Cloud FCU is here to help you get the keys and get on the road!
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!
No Credit? Don’t Sweat It!
Our Meaningful Start Loan helps members with little or no credit buy a vehicle and build credit!
If you want to build credit but don’t know where to start, St. Cloud FCU is here for you! Let us help you on the path to better credit!
Our Meaningful Start Loan Program is intended to assist members with little or no credit in beginning to establish a strong credit history by securing a loan to purchase a vehicle.
*Requirements do apply. To learn more, call us at 320-252-2634 or visit one of our branch locations. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral. Subject to credit approval. Fees and some restrictions may apply. Qualification of membership required. Insured by NCUA.
Auto Loan Rates
We have the best rates in town – check it out!
Always Be Prepared
You never know what will happen next, which is why St. Cloud FCU wants to make sure you are protected for the unexpected.
St. Cloud FCU offers Guaranteed Asset Protection (GAP), Debt Protection and Mechanical Breakdown 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)
An optional insurance that covers the difference between the cash value of your vehicle and the amount owed on your auto loan, as well as the difference between the insurance payout and the outstanding balance on your auto loan in the event of an accident.
Debt Protection
A financial service that provides a safety net for you in the event you are unable to make your loan payment due to unforeseen circumstances.
Mechanical Breakdown Protection
A protection plan that helps cover the rising costs of repairs and labor for mechanical and electrical failures, designed to give you peace of mind when unexpected costs arise. This plan also includes 24/7 emergency assistance, rental car reimbursement and more.
Refinance Your Auto Loan
If you have an existing auto loan elsewhere, no worries … we’ll help you make the switch!
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 on 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.