Generous financing as low as 6.49% APR*
Enjoy the personalized attention you deserve.
- Low rates for new1 and used vehicles
- Up to 115% of new car Blue Book retail value2
- No payment for 90 days3
Search for the perfect car with TrueCar
Our car buying program, powered by TrueCar, will help get you the best price. Here’s how:
- Find your dream car
- Secure SkyOne financing
- Pick up your car at the dealer
Refinance and start saving
Stop overpaying and refinance your current auto loan with SkyOne. Contact us to see how much you could save.
“SkyOne saved me over $100 per month on my latest auto refinance…So easy, start to finish, one day!”
– Sylmarley M., member since 2011Share Your Story
Auto Loan Rates
Rates Effective as of: 12-01-2023
36-48 Months 60 Months 72 Months 84 Months New Vehicles 6.49% APR* 6.99% APR* 7.24% APR* 7.49% APR* Used Vehicles 6.99% APR* 7.49% APR* 7.74% APR* 8.24% APR*
*APR = Annual Percentage Rate. Published rates are subject to change at any time. Rates, terms and loan amounts are based on your credit worthiness and are subject to approval. The lowest new vehicle rate and lowest used vehicle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. The advertised “as low as” APRs includes a 0.25% Auto Pay rate discount and 0.25% direct deposit discount. 0.25% Auto Pay rate discount requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If Auto Pay is cancelled at any time during the term of the loan, your rate will increase by 0.25%. 0.25% direct deposit discount: requires you to make at least two (2) ACH deposits of more than $1.00 that total $2,000.00 or more a rolling seventy (70) day period. You have seventy (70) days from the date of this document to establish this direct deposit. Should you not make deposits as described your Annual Percentage Rate will increase by (0.25%). Maximum term at new vehicle rate is 84 months for new and used vehicles; minimum amount financed is $2,500. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.
1 New vehicles include automobiles, trucks and vans that are current year or last year’s model, and have less than 6,000 miles.
2 Restrictions apply. Financing above 115% of the vehicle’s Blue Book retail value (such as tax, license, and insurance) will increase your interest rate by 1.00% APR. Only valid for vehicles purchased within the contiguous United States, Alaska, and Hawaii; and only valid for vehicles purchased within the state where the vehicle will be registered.
3The first payment may be delayed up to 90 days after the loan is funded. Interest will start to accrue on the day the loan is funded and may increase the principal balance of the loan due to the delay in initial payment.
^Payments by phone can be accepted to all loans except First Mortgages. There is a service charge for each payment made using the Payment by Phone service. Payments to your SkyOne loan cannot be made using your SkyOne credit card. The maximum payment amount using this service is $5,000. Please refer to the Schedule of Service Charges for the current fee amount.