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Auto Loans

Take your good times further.

APPLY FOR AN AUTO LOAN
  • Generous financing
    as low as 2.99% APR*

    Buying a car is a big decision. With us, you’ll enjoy the personalized attention you deserve. We’ll go the extra mile to give you the best deal possible.

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

    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.

    Reduce stress with Skip-a-Pay

    Some months can be stressful. That’s why we let our borrowers skip a payment once each year. Use the extra cash to cover an emergency or another unexpected expense.

    To use Skip-a-Pay, give us five days notice in online banking, under “Manage My Account.”

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

    – Sylmarley M., member since 2011

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  • Rates & Calculator

    Rates & Calculator

    Auto Loan Rates

    Rates Effective as of: 09-17-2019

    If your credit is New Vehicles As Low As Used Vehicles As Low As
    Excellent (780+)2.99% APR* 3.49% APR*
    Great (730-779)3.24% APR* 3.99% APR*
    Good (690-729)3.99% APR* 4.74% APR*
    Needs Improvement (650-689)7.74% APR* 8.49% APR*
    Blemished (600-649)14.99% APR* 15.74% APR*
    Disclosures

    *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 offered will not be lower than 2.99% APR, and the lowest used vehicle rate offered will not be lower than 3.49% APR, inclusive of any applicable rate discounts. The advertised “as low as” APRs include a 0.25% AutoPay rate discount, which requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If AutoPay is cancelled at any time during the term of the loan, your 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 2.99% APR for 60 months will have an estimated monthly payment of $269.51; a $15,000 used vehicle loan at 3.49% APR for 60 months will have an estimated monthly payment of $272.86. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

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  • Frequently Asked Questions

Buying a car for the first time?

We provide first-time auto buyers with generous financing and terms as long as 60 months.

Apply Now

Questions? Talk to an expert. 800.421.7111

Disclosures
*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 offered will not be lower than 2.99% APR, and the lowest used vehicle rate offered will not be lower than 3.49% APR, inclusive of any applicable rate discounts. The advertised “as low as” APRs include a 0.25% AutoPay rate discount, which requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If AutoPay is cancelled at any time during the term of the loan, your 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 2.99% APR for 60 months will have an estimated monthly payment of $269.51; a $15,000 used vehicle loan at 3.49% APR for 60 months will have an estimated monthly payment of $272.86. 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.

3 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 payment of the loan.

^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.