Auto Loan For You

Go farther with loans that help you worry less.

We obsess about car loans, so you don't have to.

At SAFE, we're obsessed with saving you as much money as possible. Just last year, we made it possible for our members to save more than $500,000 in car loan interest. Talk about a healthy obsession!

If you're ready to buy a new car or refinance a high-rate car loan you may have elsewhere, we want to help you save, too. In fact, you can be pre-approved online in just moments. What's not to like about that?

Because, when it comes to car loans, we obsess—so you pay less.


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Need a Reason to Finance With SAFE? Try 5.

2021 and Newer
Annual Percentage Rate as low as
Annual Percentage Rate as low as
Annual Percentage Rate as low as
Annual Percentage Rate as low as
2012 and older
Annual Percentage rate as low as

Auto Loan FAQs

Getting a car loan can seem complicated, but it doesn't have to be. We're here to answer your questions and help you through every step of the process.

If you’re looking for a terrific car loan, get started now and apply online. It’s a quick and easy process with fast turnaround from the SAFE loans team. Depending on your application information, you may get an approval immediately. If not, a loan officer will contact you within 24-48 hours to ask a few additional questions before your application is processed. 

Before you start, it may be helpful to check your credit report. This will allow you to check for errors and to dispute any issues ahead of time. Don’t forget–SAFE members can access their FICO Credit Score at no cost through our Online & Mobile Banking

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Our car loan rates depend on both the length of your repayment term and the age of the vehicle you want to buy. See current auto loan rates on our Rates page.

Just like there are benefits to saving with a credit union, there are benefits to borrowing from one, too. As a not-for-profit credit union, we offer: 

  • Lower interest rates 
  • Fewer fees 
  • Friendly, personalized assistance from local loan officers 

Not a SAFE member? You may qualify for membership based on your location or your membership in one of our partner organizations (including your employer). Learn more about joining SAFE on our Membership page.

At SAFE, we refinance if your auto loan is at another institution (loans currently at SAFE are excluded). To get started quickly, it helps to have your account info, vehicle identification number (VIN), and payoff information on hand.

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Auto Loans at SAFE

Get Pre-Approved Today

At SAFE, we offer low rates and great finance options on both new and used vehicles, with terms up to 7 years. Get pre-approved in minutes through our secure application portal.

* APR = Annual Percentage Rate. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Minimum loan amount is $5,000. Rate is determined by credit score, term, and vehicle model year. Payment example: on a $35,000 auto at 5.49% APR for 60 months, your payment would be $670/month. On a $35,000 auto at 6.24% APR for 84 months, your monthly payment would $520/ month. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Conditions and terms are subject to change without notice.