Auto Loans, RV Loan, Motorcycle Loan, ATV Loan

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Auto Loans

Get low rates on new and used automobiles. Our loan officers work for you to approve your loans fast with payment terms that fit your budget and lifestyle.

We offer 100% financing for new vehicles and up to 100% of the NADA value of used vehicles (including sales tax). We’ll even help you determine the value of your used car.

Three easy ways to apply:
Call (800) 282-3006, Option 5, during business hours
Print a loan application and fax, mail, or deliver it to us.
Apply online now.

 

Loan rates effective as of

New Auto & Motorcycle Loan Rates

     
Type Rates APR* Term (months)
New Auto or Motorcycle As Low As 2.74% Up to 60 Months
New Auto or Motorcycle As Low As 3.00% Up to 72 Months (> $20,000)
New Auto or Motorcycle As Low As 3.00% Up to 84 Months (> $40,000)

 

*APR=Annual Percentage Rate. Ex: New Vehicle/Motorcycle Loan Amount=$15,000, Term=60 Months, APR=2.74%, Payment=$267.84. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

 

Used Vehicle & Motorcycle Loan Rates

Type Rates APR* Term (months)
Used Vehicle or Motorcycle As Low As 3.25% Up to 36 Months (> $3,000)
Used Vehicle or Motorcycle As Low As 3.25% Up to 48 Months (> $6,000)
Used Vehicle or Motorcycle As Low As 3.25% Up to 60 Months (> $10,000)
Used Vehicle or Motorcycle As Low As 3.74% Up to 72 Months (> $20,000)
Used Vehicle or Motorcycle As Low As 3.74% Up to 84 Months (> $40,000)

 

 

*APR=Annual Percentage Rate. Ex. Used Vehicle/Motorcycle Loan Amount=$15,000, Term=60 Months, APR=3.25%, Payment=$271.25. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

 

ATV, Boat and RV Loans

We finance fun! Apply now to get low rate loans for your ATV, Boat, Motorcycle or Recreational Vehicle and get out on the trail, road or water today!

Type Rates APR* Term (months)
New RV, Boat or ATV As Low As 3.74% Up to 24 Months
New RV, Boat or ATV As Low As 3.74% Up to 36 Months (> $3,000)
New RV, Boat or ATV As Low As 3.74% Up to 48 Months (> $6,000)
New RV, Boat or ATV As Low As 3.74% Up to 60 Months (> $10,000)
New RV, Boat or ATV As Low As 3.74% Up to 72 Months (> $20,000)
New RV, Boat or ATV As Low As 3.74% Up to 84 Months (> $ $40,000)
New RV, Boat or ATV As Low As 4.74% Up to 120 Months (> $40,000)
Used RV, Boat or ATV As Low As 4.74% Up to 24 Months
Used RV, Boat, or ATV As Low As 4.74% Up to 36 Months (> $3,000)
Used RV, Boat, or ATV As Low As 4.74% Up to 48 Months (> $6,000)
Used RV, Boat, or ATV As Low As 4.74% Up to 72 Months (> $20,000)
Used RV, Boat, or ATV As Low As 4.74% Up to 84 Months (> $40,000)
Used RV, Boat, or ATV As Low As 5.74% Up to 120 Months (> $40,000)

 
*APR=Annual Percentage Rate. Ex: New RV, Boat, ATV Loan Amount+$15,000, Term Amount=60 Months, APR=3.74%, Payment=$274.55. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.
*APR=Annual Percentage Rate. Ex: Used RV, Boat, ATV Loan Amount+$15,000, Term Amount=60 Months, APR=4.74%, Payment=$281.35. As low as rates are based credit history, credit qualifications, term of loan and approval. Actual rates will be determined by actual credit score and term of loan. Term of loan will be determined by amount borrowed. Rates, terms, and conditions may apply and are subject to change without notice. Rates will be 0.25% higher if not paid by automatic payment or automatic transfer. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.

 

Two easy ways to apply:
Call (800) 282-3006, Option 5, during business hours
Print a loan application and fax, mail, or deliver it to us.
Apply online now.

 

Protect Your Purchase

Get Credit Union Discounts on TruStage® Auto Insurance
One of the exclusive benefits of your credit union membership is access to the TruStage Auto & Home Insurance Program. Discounts are available for our members, and savings can really stack up. Learn more.

Ask us about GAP (Guaranteed Auto Protection) Waiver Coverage
GAP Waiver Coverage covers the difference between what you owe on your car and what your car insurance company is willing to pay for it — without any maximum payout stipulation. Ask us how you can protect yourself with GAP Waiver Coverage.

Extended Warranty
Protect yourself with an Extended Warranty purchased through State Highway Patrol FCU. Ask us for costs and details.

Get A CARFAX® Report
Ask us for a CARFAX® Vehicle History Report. Every Report contains important information that can impact your decision about a used vehicle through a detailed VIN # check. Through this VIN search, some types of information included in CARFAX® Reports include:

  • Vehicle registration
  • Frame/structural damage
  • Title information including salvaged or junked titles
  • Accident indicators such as airbag deployment
  • Odometer readings
  • Service and repair information
  • Lemon history
  • Vehicle usage (taxi, rental, lease, etc.)
  • Total loss accident history
  • Recall information

Get a vehicle history report! Call us at (800) 282-3006 for a CARFAX® report now!

Check today's rates

Three easy ways to apply:
Call (800) 282-3006, Option 5, during business hours
Print a loan application and fax, mail, or deliver it to us.
Apply online now.

 

Resources

TruStage Discounted Auto Insurance
Research auto values at NADA