Get the car you want at a rate you'll love!

Dreaming of a new car? We offer low rates and great finance options to our members! You could even have up to 90 days before your first payment is due!  At SAFE,  applying for an auto-loan, or refinancing your loan from another institution couldn’t be easier. Simply click on the button below to apply online. It’s the easy and safe way to start the process.


If you still need personalized help, we’re available by phone, too. We can evaluate your current auto loan to see if we can help lower your current monthly payment. Contact us for a free payment analysis at 1-800-763-8600, ext. 2375.

Waiting to hear back on a pending loan application? You can easily check the status of your application through our online portal.

Being a SAFE Federal Credit Union member matters because you get more than a refinanced car loan. SAFE offers the following low-cost benefits to add even more happiness to your life.

Discounted GAP Coverage
In the event your vehicle is stolen or totaled, GAP insurance covers the difference between what you owe on your car and its depreciated value. This low-cost coverage can be purchased at any time during the life of your loan. Plus, it can be added to your loan balance so there's no out-of-pocket cost.
Credit Life Insurance
Protect your assets and your peace of mind with this inexpensive insurance benefit specifically designed to pay off your loan in the event you pass away.
Credit Disability Insurance
Should you become unable to work due to injury or illness, credit disability coverage will take over your loan payments until you return to work. For just a few dollars a month, this benefit could make all the difference if an emergency arises.
Mechanical Repair Coverage
This low-cost coverage protects you from costly vehicle repairs that can come out of nowhere. Coverage begins on the day you purchase it and includes rental reimbursement, 24 hr. roadside assistance, and travel expense reimbursement.**


Term (in months) Age of Vehicle APR (*as low as)
12-36 2021 and Newer  1.99%
37-60 2021 and Newer  2.49%
61-75 2021 and Newer  2.74%
76-84 ($30,000 min. loan) 2021 and Newer 2.99%
60 2017-2020 2.99%
61-75 2017-2020 2.99%
76-84 ($30,000 min. loan) 2017-2020 2.99%
60 2015-2016  2.99%
54 2012-2014 2.99%
42 2011 and older  7.49%

* 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 $25,000 auto at 1.99% APR for 36 months, your payment would be$716/month. On a $25,000 auto at 2.49% APR for 60 months, your monthly payment would $444/ 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. Interest will still accrue with the “No Payments for 90 Days” offer, which is available with a credit score of 620 or higher.

**For MRC Contracts sold through the direct marketing channel, there is a required waiting period of one month and 1,000 miles. Please refer to the Vehicle Service Contract or the Insurance Policy for details. Travel Expense Reimbursement not available to NY residents.