IMPORTANT - We will be performing system maintenance from 9 p.m. on Saturday, September 25, through 1 a.m. on Sunday, September 26. Online banking, mobile banking, and our 24-hour telephone teller will not be available; however, you can access your accounts using an ATM. We're sorry for any inconvenience this may cause.

Auto Loans

We’re ready to help you get into a new or used vehicle that gets you where you need to be.  Whether you’re looking for a vehicle with two wheels or four, we can help you get fast, easy and affordable financing. And you can apply with an ITIN! Get more details.

Asset-1SCCCU_AutoApp_50.png     Auto Loan Tip: Start your car-buying process by getting pre-approved. That way, you’ll know how much you can afford before you start your search.

Auto Loan Details

What You Need Know about Auto Loans at SCCCU



  • You can apply using an ITIN
  • Used Auto Loan Rates: add .50% to the stated new auto loan rate for vehicles 5+ years old; add 1% for vehicles 10+ years old or 100,000 miles or more
  • Motorcycle Loans: add 1% to stated new auto loan rate
  • For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)
  • For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types
  • Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelley Blue Book (RKBB), including applicable sales taxes, insurance, and other associated loan products