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Auto Loans

Take your good times further.

  • Generous financing as low as 5.49% APR*

    Enjoy the personalized attention you deserve.

    • Low rates for newand used vehicles
    • Up to 115% of new car Blue Book retail value2
    • No payment for 90 days3
    Apply Now

    Searching for the perfect car?

    Our car buying program, powered by TrueCar, will help get you the best price. Here’s how:

    1. Find your dream car
    2. Secure SkyOne financing
    3. Pick up your car at the dealer
    Learn More

    Refinance and start saving

    Stop overpaying and refinance your current auto loan with SkyOne. Contact us to see how much you could save.

    Protect your family

    It pays to stay safe. We offer GAP and Mechanical Breakdown Insurance as easy add-ons to your loan. We’ve partnered with TruStage to provide you with special insurance discounts.

    Need more help and information?

    Click here to read the latest blog on the Top 10 Financing Tips & Strategies for Purchasing a Vehicle.

    “SkyOne saved me over $100 per month on my latest auto refinance…So easy, start to finish, one day!”

    – Sylmarley M., member since 2011

    Share Your Story
  • Rates & Calculator

    Rates & Calculator

    Auto Loan Rates

    Rates Effective as of: 06-03-2023

    New Vehicles As Low AsUsed Vehicles As Low AsMaximum Term
    5.49% APR*5.99% APR*60 months
    5.74% APR*6.24% APR*72 months
    6.24% APR*6.99% APR*84 months
    • Payment Calculator

      Monthly Payment

    • Affordability Calculator

      I Can Afford


Buying a car for the first time?

We provide first-time auto buyers with generous financing and terms as long as 84 months.

Apply Now

Questions? Talk to an expert. 800.421.7111


*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 60 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 5.49% APR for 60 months will have an estimated monthly payment of $286; a $15,000 used vehicle loan at 5.99% APR for 60 months will have an estimated monthly payment of $289. 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.