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Rates as low as 1.99% APR* No Payments for 90 days!

Ready to buy a car? You won’t find an auto loan around that’s as affordably priced and still gives you the local touch. And if you’re interested in refinancing, we can help with that, too. You may lower your monthly payment and save money over the life of the loan.

Stress-Free Auto Loans

A loan from us will get you behind the wheel in no time, without any extra stress. You can choose which payment schedule works for you. We can also pre-approve you up to a certain amount, so you can go straight to the dealership to buy your car.

  • Optional pre-approval for easier negotiation at the dealership
  • Convenient add-ons like GAP Insurance, Debt Protection, and Mechanical  Breakdown Coverage
  • Save money upfront: low or no down payments
New Auto Loans
  • Defined as a current or previous year model
  • Includes trucks, vans and motor homes
  • Terms range from 36 months to 84 months
  • 100% financing available for vehicle purchase
  • NO payments for 90 days
Used Auto Loans
  • Defined as an auto, which is not a current or previous year model
  • Includes trucks, vans and motor homes
  • Terms based on age of vehicle 100% financing available for vehicle purchase

*APR=Annual Percentage Rate. Rates and terms may change based on creditworthiness. Interest will begin accumulating at the date of loan signing; the first payment will include all interest accrued from the loan origination date. Rates and promotions are subject to change without notice. Cannot be combined with other offers. Please contact us to see if your loan qualifies. Membership eligibility required. Offer may end at any time.

Get Started With Rates as Low as 1.99% APR*

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*APR = Annual Percentage Rate. Subject to credit approval. Rate and term available for 2019 and newer vehicles only. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.