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Service Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 20 October 2023
Fact checked

Service Credit Union auto loans overview

Service Credit Union logo

First launched in 1957, Service Credit Union has over 50 branches across New Hampshire, North Dakota, Massachusetts, and Germany. Whether you want to buy or refinance, Service CU provides workable auto loan options with great rates and flexible terms. Other than new and used automobiles, members can also secure motorcycles, scooters, ATVs, snowmobiles, RVs, boats, and more.

Want to see what a Service CU auto loan will cost? Try the Service Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Service Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate reductions for direct deposit+ checking account tiers and active duty military members.

SERVICE CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Service CU’s competitive auto loans are open for purchasing and refinancing. Rates begin at 6.74% APR, and repayment periods extend up to 84 months. On top of low rates, qualified members can get 0.75% rate discounts.

Motorcycle, ATV, and personal water vehicle loans

Besides cars, you can also finance motorcycles, scooters, ATVs, personal water vehicles, snowmobiles, and UTVs. Motorcycle loans begin at 9.24% APR. Meanwhile, other vehicle types can start at 8.84% APR.

RV and boat loans

If you’re looking for bigger vehicles, you can also apply for recreational vehicle, camper, and boat loans. Interest rates start at 11.24% APR. To find out the terms you qualify for, you can get in touch with Service CU.

Service Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Service Credit Union

Service Credit Union auto loan

Service Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Service Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Service Credit Union auto loan

Eligibility criteria

Even if Service CU doesn’t specify the criteria, you should usually be:

  • 18 years old or older
  • A legal resident
  • A member of Service Credit Union
  • Employed or have a dependable source of income

Aside from meeting the lending criteria, make sure that your budget is ready, too. Remember that vehicle financing is a secured loan. So, weigh the overall expenses of financing your car to avoid risking your collateral.

How to join Service Credit Union

You can qualify for Service CU membership if you meet one of the following requirements:

  • Active duty military, veteran, and your family
  • Currently working (or worked) for the Department of Defense and your family
  • A member of one of the Select Employer Groups
  • A member of the American Consumer Council (ACC) or Financial Fitness Association (FFA)

What you’ll need to have ready

Personal details

When you apply for auto financing with Service Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Service CU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It also helps to familiarize yourself with the steps involved in getting a car loan. Through this, you know what to expect so that you can confidently apply for a loan you can manage.

Ways to apply for a Service Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-936-7730

Additional Service CU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.75% discount for direct deposit+ checking account tiers and 0.75% rate reduction for active duty military members.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Long repayment terms.
  • No payments for up to 90 days.
  • Fast loan approval.
  • 0.75% rate discounts for direct deposit+ checking account tiers.
  • 0.75% rate discounts for active duty military members.
  • Online prequalification offered.
  • Co-applicants allowed.
  • Indirect lending offered.
  • Multiple partner dealerships across New England.
  • Auto-buying services available.
  • $100 cash reward through the Love My Credit Union Rewards program.

Cons

  • Must be a member.
  • Undisclosed loan fees.
  • Unspecified minimum and maximum loan amounts.
  • Applicants in poor credit standing may get higher APRs.

FREQUENTLY ASKED QUESTIONS

Where can I apply for a Service Credit Union car loan?

You can apply for a car loan online, over the phone, in a branch, and at a partner dealership.

Are there discounts available on Service Credit Union auto loans?

Service CU offers up to 0.75% rate discounts for direct deposit+ checking accounts. You can also get a 0.75% rate reduction if you’re an active-duty military member.

How much interest does the Service CU charge on vehicle loans?

Automobile rates begin at 6.74% APR.

What is the maximum length of a Service Credit Union car loan?

You can repay your auto loan for up to 84 months.

Does Service Credit Union refinance auto loans?

Yes. You can transfer your existing car loan from another lender to benefit from the credit union’s offers.

How do I pay my Service CU auto loan?

You have multiple payment methods – online banking, mobile app, over the phone, and by mail.

Will applying for vehicle finance with Service Credit Union affect my credit score?

Since a formal application requires a hard credit check, this will appear on your credit report. In turn, it can affect your credit score temporarily. Nonetheless, you can build your credit by consistently meeting your loan repayments.

What information do I need to provide when applying for a Service CU auto loan?

You need to provide your personal and contact details, including your address and Social Security number. Moreover, you should indicate your income and employment information.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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