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.

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
  • Credit Life Insurance
  • Credit Disability Insurance
  • Mechanical Repair Coverage


Term (in months) Age of Vehicle APR (*as low as)
12-36 2019 and Newer (0-1 year old) 1.99%
37-60 2019 and Newer (0-1 year old) 2.49%
61-75 2019 and Newer (0-1 year old) 2.74%
76-84 2019 and Newer (0-1 year old) 2.99%
24-60 2016-2018 (2-4 years old) 2.99%
61-75 2016-2018 (2-4 years old) 2.99%
24-60 2013-2015 (5-7 years old) 2.99%
24-54 2010-2012 (8-10 years old) 2.99%

* APR = Annual Percentage Rate. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment is required. Minimum loan amount is $5,000. Promotional rate of 1.99% APR applies to 2019 and newer model-year vehicles for up to 36 months. Payment example: on a $25,000 auto at 1.99% APR for 36 months your payment would be $717/month. Financing up to 84 months available for qualifying vehicles. Payment example: on a $25,000 auto loan at 2.99% APR for 72 months your payment would be $380/month. All loans are subject to creditworthiness and credit approval. Maximum loan-to-value limits apply. Conditions and terms are valid through November 13, 2020 and then 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.