Get your next set of wheels fast

Auto Loans

New, used, or refinance, take flight with one low rate!

Questions? Contact Us

Low Rates
Flexible Terms
Easy Online Application
Quick Application Turnaround
About Auto Loans
With Auto Loans, You Can Drive Off With a Low Rate.

Get pre-approved for a Soarion Auto Loan before you shop for a car, truck, or SUV to save time and shop stress-free knowing how much you can afford. It only takes a few minutes and the application can be done online.

Whether you’re looking for a new or used vehicle, private party sale or shopping at a dealership, finance your auto loan with Soarion Credit Union today.

Auto Loan Basics

  • Low Rates
  • Terms up to 84 months
  • No payment for up to 90 days1
  • Pre-approvals available

Auto Loan Optional Services

Family smiling and fastening seatbelts inside a car
TruStage
TruStage

Discounted auto insurance for credit union members.

Woman standing beside a car with its hood open on the roadside
Guaranteed Asset Protection (GAP)
Guaranteed Asset Protection (GAP)

Protect against total loss or theft of your vehicle if your loan is more than the insurance settlement.

Customer speaking with a mechanic next to a car in an auto repair shop
Mechanical Repair Coverage (MRC)
Mechanical Repair Coverage (MRC)

Add protection against the unexpected high cost
of vehicle repairs.

Two children riding in the backseat of a car on a sunny road
Debt Protection
Debt Protection

Loan insurance in the event of disability or death.

Auto Loan Rates

Rates effective as of: 4-1-2026
Rates effective as of: 07/26/2026

Term

APR* as low as

Up to 60 months
5.49%
Up to 72 months
5.69%
Up to 84 months
5.89%

Explore more

Powersport Loans
Experience the thrill of your next adventure when you finance an ATV, UTV, or Jet Ski with a Soarion Powersport Loan.
RV Loans
Finance RVs, caravans, motorhomes, travel trailers, fifth wheels, and camper/tent trailers. Enjoy low rates, terms up to 12 years, 90 days of no payment, and 100% financing for qualified borrowers.
Boat Loans
We’ll help you get off dry land and into the water with low rates, flexible terms, and no payment for up to 90 days.
Motorcycle Loans
Kickstart your fun with low rates, flexible terms, and no payment for 90 days on a new or used motorcycle or ATV.

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

1Interest accrual begins immediately once funded and will continue to accrue each month during deferment. Deferred payment may not exceed 90 days. Not all applicants will qualify.

Vehicle payment example: A loan of $30,000 for 84 months at 5.89% APR will have an estimated monthly payment of $437. Use a Soarion Financial Calculator to calculate loan payment amounts.

You Could Save Hundreds on Car Insurance

Soarion Credit Union members may qualify for a discount on car insurance through the TruStage® Auto Insurance Program.

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Get Started

You will need the following information to complete an application online or at a Soarion Financial Center:

Soarion Credit Union Members need to Login to Digital Banking and select “Accounts” > “Open an Account” to apply

We have partnered with Student Choice to help finance your education. Next steps will direct you to a marketplace site where other top national credit unions will offer you rates and terms based on your estimated FICO. You can then select which one works best for you and complete the application. It’s that easy to get the best rate from another trusted not-for-profit credit union.

Soarion Credit Union has partnered with myCUmortgage to offer mortgage loans and refinancing to our members. By clicking “Proceed” you acknowledge you are leaving the Soarion CU website and entering the myCUmortgage website, which is not managed by Soarion CU. Would you like to continue?