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Saco Valley Credit Union
Mobile Banking App

Free - On the App Store

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Saco Valley Credit Union
Mobile Banking App

Free - On the App Store

Today’s Auto Loan Rates

Apply online

Titled Vehicle Rates

The below rates apply to titled items including: autos, motorcycles over 300 cc, light duty trucks, motor homes, and trailers over 3,000 lbs.
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Rates as low as*APR as low as*Term
1.99%2.09%0-23 Months
2.29%2.34%24-47 Months
2.49%2.53%48-65 Months
2.99%3.02%66-83 Months

*These rates apply to titled items including autos, motorcycles over 300 cc, light-duty trucks, motor homes, and trailers over 3,000 lbs. Rates are effective 11/01/2021 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and creditworthiness. All rates and loans are subject to credit approval. Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Other terms and rates may be available. Contact an SVCU loan officer for more information.
Payment Examples:
23 month term auto loan: $25,000 at 23 months at 1.99% interest rate = 22 payments of $1108.75 per month with a final payment of $1108.68 includes a $25 document fee; 2.09%APR and $44.35 per $1,000 borrowed. Minimum loan amount for 0-23 months is $1,000.
47 month term auto loan: $25,000 at 47 months at 2.29% interest rate = 46 payments of $556.66 per month with a final payment of $556.53 includes a $25 document fee; 2.34%APR and $22.27 per $1,000 borrowed. Minimum loan amount for 24-47 months is $3,000.
65 month term auto loan: $25,000 at 65 months at 2.49% interest rate = 64 payments of $411.56 per month with a final payment of $411.49 includes a $25 document fee; 2.53%APR and $16.46 per $1,000 borrowed. Minimum loan amount for 48-65 months is $7,500.
83 month term auto loan: $25,000 at 83 months at 2.99% interest rate = 82 payments of $333.83 per month with a final payment of $333.40 includes a $25 document fee; 3.02%APR and $13.35 per $1,000 borrowed. Minimum loan amount for 66-83 months is $10,000.

Estimated Monthly Payment

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Frequently Asked Questions

It's easy to apply! Click here to start our online loan application or visit us at 312 Main Street in Saco or 860 Main Street in Waterboro during business hoursĀ to apply in-person.
We have RV loans to help you financing a snowmobile. Click here to view our RV loan information.
Our loans are risk-base priced so rates are determined by loan amount, term and credit worthiness. View Rates
Of course! We care about saving you money, so if we can beat the rate you currently have with another bank or credit union, we would love to refinance your vehicle!
Yes! Saco Valley Credit Union will finance both new and used autos up to 10 model years old. If you have a vehicle older than that, it would be done as a personal loan.

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