New, Used & Classic
New Auto Loans:
We provide financing available up to 100% for new vehicles.
Terms of up to 72-months are available for new vehicle loans over $20,000 or 60-months for New Auto Loans of less than $20,000.
Used Auto Loans:
Financing for Used Auto Loans (models up to 7 years old) is available up to 100% for Used vehicles with terms of up to 60-months.
Classic Auto Loans:
Financing for a Classic automobile is available for up to 90% of the appraised value (as long as it is $10,000.00 or over) with terms of up to 60-months.
New & Used Auto3
Rates effective starting: 6/19/2013
|
|
| New Auto |
2.99% |
60 months |
| New Auto |
2.99% (purchase only) |
72 months ($20,000 minimum) |
| DrivingSensetm New Balloon Auto |
4.24% |
72 months |
| Used Auto2 |
3.49% |
60 months |
| DrivingSensetm Used Balloon Auto2 |
4.74% |
60 months |
| Classic Auto2 |
4.49% |
60 months |
APPLY NOW
Loan Saver
Transfer Your Loans To Sb1 and Save!
Moving your existing loans to Sb1 could help you save hundreds, even thousands of dollars!
Learn More About Loan Saver
Driving SenseTM
DrivingSense...the smart choice in vehicle financing!
How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing! Sound to good to be true? Well, Sb1 has the vehicle financing answer for you....DrivingSense!
DrivingSense gives you the best of both worlds. Like a lease, DrivingSense offers payments considerably lower than conventional financing. Yet, unlike leasing, with DrivingSense you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership!
All current and up to three-year used cars, vans, and light trucks qualify for DrivingSense financing. New, current year vehicles can be financed for 24 to 72 months, one year old vehicles can be financed for 24 to 60 months, two year old vehicles can be financed for 24 to 48 months, and three year old vehicles can be financed for 24 to 36 months. Other benefits of DrivingSense include:
- No Capitalization Fees
- No Application Fee
- No Security Deposit
- No Up Front First or Last Payment
- Option to Sell, Trade, Finance Vehicle Anytime or
- Return Vehicle at Loan Maturity.
- No Early Payoff Penalty
- 100% Financing with NO MONEY DOWN.
- Mileage Options of 12,000, 15,000 and 18,000* Per Year Available
Want to find out how low your DrivingSense payment could be?
Use the DrivingSense CarBuilder calculator where you can build your car from the comfort of your own home. Click here to build your car>>
For more information about DrivingSense call us at 800.806.9465 today!
Auto Check
Where accidents get reported.
When buying a used vehicle, one of the first questions you might ask yourself is, "has this car been in an accident?" The accident data provided in an Experian AutoCheck report can now help you answer that question with greater confidence.
Get your Vehicle History Report today.
Contact a Loan Officer today with the Vehicle Identification Number (VIN) of a vehicle you are interested in financing today either by email lndng@sb1fcu.org, or by phone at 800.806.9465, option 4.
AutoCheck is free for members who finance their vehicle through Sb1.
For more information on pricing and answers to frequently asked questions about AutoCheck, click here.
AutoCheck reports are easy to understand:
Payment Protection
Payment Protection Plans
When you apply for a loan, you have the option to protect and insure your loan payments. There are two types of payment protection: credit disability (single only) and credit life (single or joint). You may choose both life and disability, only one, or neither.
If you choose not to purchase the payment protection, the borrower(s) are responsible for paying the loan even in the event of disability. Or your estate may be responsible in the event of your death.
The Credit Union National Association (CUNA) Accidental Death and Dismemberment and Life Insurance offer products that protect your family's financial security against accidental death or dismemberment. Click here to learn more about CUNA Mutual
Credit Disability
When you purchase credit disability payment protection for a loan, if you are unable to work due to a CUNA approved disability, the loan payments are made by CUNA during the period of disability.
Credit Life
When you purchase credit life payment protection for a loan, if you should die during the term of the loan the loan balance on the date of death is paid by CUNA.
Payment Protection is available for a trial period of 30 days. If you decide that it's not for you, you can opt-out with no questions asked during this period at no cost to you!
Resources
Helpful information:
Car Buying Resources:
Please note that the following list of websites are third party educational resources. Sb1 does not control the content of these websites. When you click on the following links to access information, you will be entering a new website.
Motor Vehicle Certification Program (MVCP)
Automobile Purchase Program (APP)
NADA Pricing Guide
Rates
New & Used Auto3
Rates effective starting: 6/19/2013
|
|
| New Auto |
2.99% |
60 months |
| New Auto |
2.99% (purchase only) |
72 months ($20,000 minimum) |
| DrivingSensetm New Balloon Auto |
4.24% |
72 months |
| Used Auto2 |
3.49% |
60 months |
| DrivingSensetm Used Balloon Auto2 |
4.74% |
60 months |
| Classic Auto2 |
4.49% |
60 months |
