Vehicle Loan

New and Used Vehicle Loans

St. Columbkille Federal Credit Union offers new and used vehicle loans.

The new vehicle loan rate is for up to 66 months. Click here for current rates!

The late model vehicle loan rate is for up to 48 months or 54 months. Click here for current rates! Late model vehicles are 2007 and 2008.

The used vehicle loan rate is Click here for current rates! . For up to 48 months. The average finance amount listed in the Kelly Red Book is used as a guide to establish your minimum down payment. 2002-2006.

Bonus Rate Reduction

If you elect the direct debit program (ACH) to pay your car loan the loan rate will be reduced .25 percent as shown below

Click here for current rates!

The advertised interest rate may change as determined by the credit union board of directors.

Example New Vehicle Loan
A $20,000 Loan at 4.49%% APR for 66 months $342.53 with direct payment $340.25 per Month.

Example Late Model Vehicle Loan
A $15,000 Loan at 4.99% APR for 48 Months is $345.35 per Month.
A $15,000 Loan at 5.25% APR for 54 Months is $312.47 per Month.

Example Used Vehicle Loan
A $15,000 Loan at 5.49% APR for 48 Months is $348.75 per Month.

Rates in above example may not reflect the current rates. Click here for current rates.

New Vehicle and Used Vehicle Prices, Trade-In Values
Check Kelly Blue Book or Edmund's for information on New and Used Vehicle Prices as well as Trade-In Values.

How Much Can You Afford?
Generally, the sum of your monthly credit payments cannot exceed 35% of your gross income.
If your income won't support the desired loan, one option to consider is a co-maker. The co-maker's financial information will be combined with yours to determine qualification for the loan.
How Much is the Monthly Payment?

If you’ve decided to purchase rather than lease, your best choice may be conventional auto financing with the credit union versus a dealer's low-rate loan.

Here is some information to help you decide which is best.

Key Benefits