Auto Loans
The open road is calling, let's get you out there.
Get in gear with Suffolk Credit Union.
We offer competitive rates as low as 6.39% APR* & Flexible Terms
- New car financing up to 100% MSRP, plus sales tax, license, and extended warranty
- Used car financing up to 100% of the NADA retail value or the purchase price, whichever is less, plus sales tax, title and extended warranty
- Repayment periods of up to 96 months for new vehicles and 84 months for used vehicles
- Extended warranties, Loan Payment Protection. GAP (Guaranteed Asset Protection), and Mechanical Repair Coverage available.
Interested in purchasing or refinancing an Electric Vehicle? Check our special EV rates*
NEW - Cars/Trucks/Vans
For terms of 61 to 72 months, minimum loan is $10,000. Terms of 73 to 84 months require minimum loan of $20,000. Terms of 85 to 96 months require minimum loan of $30,000.
| Term in Months | APR* as low as | Sample payment per $1,000 Borrowed (based on maximum term) |
|---|---|---|
| Up to 60 | 6.39% | $19.52 |
| 61 to 72 | 6.39% | $16.76 |
| 73 to 84 | 7.19% | $15.19 |
| 85 to 96 | 7.44% | $13.86 |
USED - Cars/Trucks/Vans
For terms of 61 to 72 months, minimum loan is $10,000. Terms of 73 to 84 months require minimum loan of $20,000.
| Term in Months | APR* as low as | Sample payment per $1,000 Borrowed (based on maximum term) |
|---|---|---|
| Up to 60 | 6.74% | $19.68 |
| 61 to 72 | 6.74% | $16.93 |
| 73 to 84 | 7.44% | $15.31 |
Electric Vehicles – New
Excludes hybrids
| Term in Months | APR* as low as | Sample payment per $1,000 Borrowed (based on maximum term) |
|---|---|---|
| Up to 60 | 6.14% | $19.40 |
| 61 to 72 | 6.14% | $16.74 |
| 73 to 84 | 6.94% | $15.07 |
| 85 to 96 | 7.19% | $13.73 |
Electric Vehicle - Used
Excludes Hybrids
| Term in Months | APR* as low as | Sample payment per $1,000 Borrowed (based on maximum term) |
|---|---|---|
| Up to 60 | 6.49% | $19.56 |
| 61 to 72 | 7.49% | $16.81 |
| 73 to 84 | 7.19% | $15.19 |
Get started on the road to auto ownership today!
Auto Calculators
*APR = Annual Percentage Rate. All rates quoted are the lowest available rates based on overall credit worthiness and automatic payments. For terms of 61 to 72 months, minimum loan is $10,000. Terms of 73 to 84 months require minimum loan of $20,000. Terms of 85 to 96 months require minimum loan of $30,000. The representative monthly Auto Loan payment based on a five-year term at a 6.64% fixed Annual Percentage Rate is $19.63 per $1,000 borrowed. Rates are subject to change without notice. Ask about other terms and rates. Credit union membership required for loan disbursal.