SRFFCU makes it easier to move forward with an Auto Loan that fits your budget, your timeline, and the way you plan to buy. Members can expect flexible terms and personal service that helps the financing process feel more manageable from start to finish.
Finance a New or Used Vehicle
If you’re ready to buy, SRFFCU offers financing for both new and used vehicles. Members can choose terms that fit their budget and work with a lending team that understands how quickly the car-buying process can move.
Refinance Your Auto Loan
If you already have a vehicle loan somewhere else, refinancing with SRFFCU may help you lower your rate or improve your monthly payment. This option gives members a chance to revisit their financing and see whether a better fit is available.
Lease Buyout
(PA Only)
If your lease is ending and you want to keep your vehicle, SRFFCU offers lease buyout financing in Pennsylvania. This option helps eligible borrowers move from leasing to ownership without starting over with a different vehicle.
Cash-Out On Title
(PA Only)
Members in Pennsylvania can also explore a cash-out on a title loan. This option lets eligible borrowers use vehicle equity to access cash for other expenses.
Vehicle Types
SRFFCU auto financing covers more than standard passenger cars. Eligible vehicle types include:
- Passenger vans
- Box trucks
- Straight trucks
- Delivery vans
- Cargo vans
- Hearses
- Limousines
Auto Loan Rates
SRFFCU offers credit union auto loan rates based on the vehicle type, model year, loan term, and other qualifying factors. Automatic monthly payment is required for the lowest advertised APR.
All rates listed on this page are valid as of July 1, 2026 and are subject to change without notice.
New Vehicle Rates
Finance up to 120% of the vehicle value3.
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 4.89% |
| 49 to 66 Months | As low as 4.99% |
| 67 to 75 Months | As low as 5.19% |
| 76 to 84 Months | As low as 5.59% |
2022–2026 Vehicle Rates
Finance up to 115% of the vehicle value3.
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 4.89% |
| 49 to 66 Months | As low as 4.99% |
| 67 to 75 Months | As low as 5.19% |
| 76 to 84 Months | As low as 5.59% |
2019–2021 Vehicle Rates
Finance up to 110% of the vehicle value3.
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 5.54% |
| 49 to 66 Months | As low as 5.74% |
| 67 to 75 Months | As low as 6.14% |
2010–2018 Vehicle Rates
Finance up to 105% of the vehicle value3.
| Terms | APR1 |
|---|---|
| Up to 48 Months | As low as 7.14% |
| 49 to 63 Months | As low as 8.29% |
1APR = Annual Percentage Rate. Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Refinance transactions may be subject to a rate adjustment. Your rate can be higher depending on credit performance. Rate is subject to change without notice. Other conditions may apply. SRFFCU offers auto loans for new and used cars. All rates are subject to change without notice. 2Rate is applicable with automatic monthly payment. Rate increases without automatic monthly payment. 3Value is based on Kelley Blue Book or NADA clean retail value. The actual amount financed can vary based on creditworthiness and age of the vehicle. Cash-Out on Title loans are financed up to 80% of the vehicle value.
Why Choose SRFFCU for an Auto Loan?
SRFFCU combines competitive credit union car loan rates with personal service and a lending process built around real-life timing:
- Members can apply online
- Check their application status online
- Receive approval and funding the same day (in many cases)
That kind of speed can make a real difference when you need to act quickly at a dealership or close out a purchase without delays.
Get on the Road with Financing That Fits
Whether you’re buying, refinancing, or exploring a lease buyout, Self Reliance Financial Federal Credit Union can help you move forward with an auto loan that fits your budget and timeline. Start your application today and take the next step with confidence.
Get on the Road with Financing That Fits
Whether you’re buying, refinancing, or exploring a lease buyout, Self Reliance Financial Federal Credit Union can help you move forward with an auto loan that fits your budget and timeline. Start your application today and take the next step with confidence.
Frequently Asked Questions (FAQs)
Can I finance both new and used vehicles?
Yes. SRFFCU offers financing for both new and used automobile purchases.
Can I refinance an auto loan from another lender?
Yes. SRFFCU offers auto loan refinancing for borrowers who already have a loan with another financial institution.
How fast can I be approved for an auto loan? Will funds be available the same day?
In many cases, your loan may be approved and funded the same day. We understand that sometimes the vehicle-buying process is urgent. Our loan specialists will answer any questions that you may have.
How do I make a payment?
Loan payment options:
- Set up AutoPay with SRFFCU
- Online and Mobile Banking payment
- In-person payments at our local branches in Maryland, New Jersey, New York, and Pennsylvania
- Pay by mail
Is there a penalty for paying off my auto loan quicker than the assigned payment schedule?
No, SRFFCU will not charge any prepayment penalties.
Are there any fees associated with obtaining an auto loan?
No, you only need to have an account in good standing.