New and used auto loans from Sentry Credit Union offer long repayment terms with great, low rates which gives Members their lowest monthly payments. In addition, Members can get a lower financing rate if their repayment is on payroll deduction or automated transfer from their SCU savings or checking accounts. Here are the current rates in effect:
|Model Year||Fixed Rate with PRD/Auto Pay*||Fixed Rate*||Repayment Terms|
|2016, 2015, 2014||1.90%||2.40%||Up to 36 Months|
|2016, 2015, 2014||2.90%||3.40%||37 to 60 Months|
|2016, 2015, 2014||3.40%||3.90%||61 to 72 Months|
|2013, 2012, 2011||3.40%||3.90%||Up to 60 Months|
|2010 and Older||3.90%||4.40%||Depends on Amount|
Rates and terms listed above are available for both new and used: Autos, Trucks, Vans, Motorcycles, Motor Homes, Boats (including motor/trailer), 5th Wheels, Travel Trailers, Campers
*Fixed Rate APR = annual percentage rate. The 0.50% reduction is for loans with repayment set up on payroll deduction or automatic transfer from an SCU savings or checking account. Rates and terms in effect January 1, 2015 for purchase money, refinancing, or to use the equity in your existing vehicle(s) for prudent purposes. The amount financed for all model years will be the lower of purchase price or blue book (or appraised) value of the vehicle.
|Model Year||Fixed Rate – PRD/Auto Pay||Term|
|New, Untitled 2016, 2015, 2014||3.90%*||Up to 84 Months|
This financing for new, untitled 2016, 2015 and 2014 vehicles is for purchase money only. *Fixed Rate APR = annual percentage rate. The 3.90% rate is for loans with repayment set up on payroll deduction or automatic transfer from an SCU savings or checking account. The rate without payroll deduction or auto pay is 4.40%.