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Auto Loans

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Few financial decisions provide the freedom, functionality and fun like car ownership. Whether you’re ready for a new vehicle or want to refinance an existing auto loan, your passport to savings starts with your SkyOne Auto Loan!

Generous financing. Affordable rates. Flexible terms.

  • Low rates for new1 and used vehicles, and refinancing

  • Up to 115% of new car Blue Book retail value2 - what's my car worth?

  • No payment for 90 days3

You're more than just a credit score

We'll keep your payment affordable and help rebuild your credit.

  • Extended loan terms keep your monthly payments affordable

  • No hidden fees and no early pay-off penalty

Apply Now

Table data for Auto Loan Rates
 Rates Effective 07-22-2018
If your credit is New Vehicles As Low As Used Vehicles As Low As Alert Me
Excellent 2.24% APR* 2.99% APR*
Great 2.74% APR* 3.49% APR*
Good 3.74% APR* 4.49% APR*
Needs Improvement 7.49% APR* 8.24% APR*
Blemished 14.74% APR* 15.49% 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 offered will not be lower than 2.24% APR, and the lowest used vehicle rate offered will not be lower than 2.99% 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 72 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.24% APR for 72 months will have an estimated monthly payment of $222.84; a $15,000 used vehicle loan at 2.99% APR for 72 months will have an estimated monthly payment of $227.84. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

1New vehicles include automobiles, trucks and vans that are current year or last year’s model, and have less than 6,000 miles. 2Restrictions 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. 3First 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 $3,000. Please refer to the Schedule of Service Charges for the current fee amount.

First-Time Buyers

First time buying a car? We'll help you with the financing, even if you have little or no credit history.

  • Financing up to $20,000
  • Up to 60 months to pay off your loan
  • 100% maximum loan to retail value

Apply Today

Learn more about the in's and out's of car buying. Check out our Financial Fitness Center, provided by BALANCE™.

Restrictions apply. Talk to a lending specialist at 800.421.7111 for complete details.

*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 2.24% APR, and the lowest used vehicle rate offered will not be lower than 2.99% 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 72 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.24% APR for 72 months will have an estimated monthly payment of $222.84; a $15,000 used vehicle loan at 2.99% APR for 72 months will have an estimated monthly payment of $227.84. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

Skip A Pay

Sometimes you just need a break from your loan payments. So for a small fee*, we offer members a flexible option to “Skip" a payment on an eligible SkyOne loan or credit card once every 12 months.

From covering unexpected expenses to freeing up extra cash for an important project, Skip a Pay is another way we can help you take more control over your money.

  • Skip a payment on credit cards and consumer loans
  • Send us your request at least 5 days before your loan payment is due

Two easy ways to skip a payment

  • Skip a payment in iSky® Online Banking

    1. Log into iSky® Online Banking.
    2. Click on Manage My Account, and then Skip a Pay.
    3.
    Select the loan payment to skip and the account to debit for the processing fee.
    4. Submit the request, and you’re done!

    Skip a payment in iSky Online Banking



*Payment Extensions are not available for first mortgages, home equity loans and home equity lines of credit. Deferrals are subject to review and approval, which includes a review of your loan payment history for the last six consecutive months on all credit accounts. Finance charges will continue to accrue at the contract rate. Deferring a payment will result in higher total finance charges than if you made payments as originally scheduled and may extend the term of your loan(s). You can only defer one payment per loan every 12 months, with a maximum of two deferrals for the life of the loan under this program. For members who have Guaranteed Asset Protection (GAP), claim coverage may not extend to the amount of payment(s) deferred. Refer to your insurance contract for your coverage details. To skip one consumer loan payment, a $30 fee will be automatically deducted from the share account you designate. Funds must be available.

*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 2.24% APR, and the lowest used vehicle rate offered will not be lower than 2.99% 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 72 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.24% APR for 72 months will have an estimated monthly payment of $222.84; a $15,000 used vehicle loan at 2.99% APR for 72 months will have an estimated monthly payment of $227.84. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

Insurance & Protection

We take the job of protecting our member’s financial welfare seriously at SkyOne. That’s why we offer a comprehensive range of options to help you prepare for the unexpected.

  • Loan Protection

    Get Assistance
    Call 800.421.7111

    Life is unpredictable. SkyOne Loan Protection provides peace of mind when you need it most.

    In the event of death, disability or involuntary unemployment, your loan balance or monthly payments will be cancelled, and you can enjoy peace of mind knowing you and your credit rating are protected.

    • Coverage fee built into your monthly loan payment for as low as a few dollars a month
    • Test drive SkyOne Loan Protection for 30 days for free (If you'd like to cancel your protection within the first 30 days, we'll refund any fees already paid)
    • Cancel your Loan Protection at any time

    Get your coverage. Give us a call at 800.421.7111.

    Your purchase of SkyOne Loan Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for SkyOne Loan Protection. This information will include a copy of the contract containing the terms and conditions of debt protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving SkyOne Loan Protection benefits. You should carefully read your SkyOne Loan Protection contract for a full explanation of the terms and conditions of the debt protection program.

  • Guaranteed Auto Protection (GAP)

    Get Assistance
    Call 800.421.7111
    GAP eliminates "out of pocket" expense for a deficiency between the loan balance and actual insurance settlement amount should your vehicle be damaged beyond repair or stolen and never recovered.

    It’s a great, low cost way to guarantee that your vehicle investment and finances are protected. 

    • Cost is as low as $495, and can be financed into your loan
    • Payment of benefits up to $50,000
    • Coverage is available for autos,  motorcycles, boats, travel trailers and motor homes
    • Not available on jet skis, ATVs, or snowmobiles
    • Available on refinanced loans from other lenders

    Loan Type Maximum Term to Receive Coverage Alert Me
    Auto 84 Months
    Motorcycle 60 Months
    RVs, Travel Trailers and Boats 240 Months

    Get your coverage. Give us a call at 800.421.7111.

  • Mechanical Breakdown Protection (MBP)

    Get Assistance
    Call 800.421.7111

    SkyOne’s MBP can offer significant savings on extended warranty coverage when compared to dealer rates.

    For a fraction of what auto dealers charge for similar coverage, you can protect your new and used vehicles from possible unforeseen mechanical issues. Get coverage details.   

    Get your coverage. Give us a call at 800.421.7111.

  • Vehicle Insurance

    Members Only. Vehicle Insurance Savings. Get A Quote.

    TruStage™ Auto Insurance Program

    Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

    If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

    Get your free quote today or call 1-855-483-2149.

    TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

    MAH-1112-AD42

*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 2.24% APR, and the lowest used vehicle rate offered will not be lower than 2.99% 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 72 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.24% APR for 72 months will have an estimated monthly payment of $222.84; a $15,000 used vehicle loan at 2.99% APR for 72 months will have an estimated monthly payment of $227.84. 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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*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 2.24% APR, and the lowest used vehicle rate offered will not be lower than 2.99% 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 72 months for new and used vehicles; minimum amount financed is $2,500. Estimated monthly payment: a $15,000 new vehicle loan at 2.24% APR for 72 months will have an estimated monthly payment of $222.84; a $15,000 used vehicle loan at 2.99% APR for 72 months will have an estimated monthly payment of $227.84. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

Financial Fitness

Click here to get started!Talk to a BALANCE Financial Counselor

We care about your financial wellness. That's why we've partnered with industry-leading BALANCE to provide you access to free and confidential financial counseling and education. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

 Call 888.456.2227Visit BALANCE.org

Monday - Thursday, 5 am - 8 pm PT | Friday, 5 am - 5 pm PT | Saturday, 8 am - 5 pm PT

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