Auto
Find the car
for you
Personalized Service.
Extraordinarily Low Rates.
Loans for new and used vehicles
Whether you’re buying your first college car, or looking for a luxurious upgrade, SIU Credit Union is here to help. We offer financing for all kinds of vehicles, used and new. Our terms are flexible and our rates are dangerously low. We also cover refinancing if you’re not satisfied with your current vehicle loan from somewhere else. Once you start our easy online application, you’ll be amazed by how fast the whole process goes. With optional pre-approval, in-house lending, and expert loan officers, you’ll be behind the wheel in no time.
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Flexible Terms
Up to 84 months depending on the vehicle -
Fast Approval
Apply online and check your status any time -
Personalized Care
All vehicle loans are serviced in-house -
Refinancing Options
Refinancing also available to get you a better deal
Rates As Low As
Monthly Payment
Even More Discounts for Loyal Members
As a credit union, we’re proud to offer our members specially discounted rates. Members can qualify for even greater discounts (up to 1.00%**) when they use our SIUCU Credit Card or Checking account and take advantage of our Loyalty Bundle and sign up for automatic payments.
Find out what it's worth
NADA helps you Find a Price, Find a Vehicle, Find a Dealer – and Find It Free!
Insurance Declaration
Members can use our convenient link below to upload their insurance information and expedite the process.
Questions?
Ask our new virtual assistant “Bill” any question by clicking the CHAT option in the lower right corner. Bill is still learning, so if he cannot answer your question, he can connect you with one of our Member Service Representatives during business hours. Your feedback helps make Bill smarter for your next visit, so please share.
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*Annual Percentage Rate. Individual rate is determined by an evaluation of the applicant’s credit history and the loan term. Subject to credit approval. Your APR might be higher based on your credit score. All rates subject to change at any time without notice. Interest begins accruing upon disbursal of loan. Membership required. Insured by NCUA.
**Members can qualify for a .25% discount when enrolled in Automatic Loan Payments, and up to .75% through the Loyalty Bundle active checking account and credit card requirements. Call 800-449-7301 for additional details.
Rates
Auto Loan Rates
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
1700 |
New Auto (2025-2023) Never Titled |
24 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled |
36 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled |
48 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled |
60 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled
|
72 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled
|
75 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled
|
84 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
24 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
36 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
48 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
60 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled
|
72 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled
|
75 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled
|
84 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
24 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
36 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
48 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
60 Months |
|
|
1600 |
Pre-Owned Automobile (2009-2008) |
12-36 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR). As low as.
Members can take advantage of our Loyalty Bundle and qualify for additional rate discounts (up to .75%) when they use our SIUCU Credit Card or Checking account, and a .25% rate discount when enrolled in automatic loan payments. Rates discounts not reflected above.
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Rates effective as of: January 17, 2025
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Open Account
Download the App
For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.
Business Free Checking
This account is perfect for startups, home offices, and businesses with smaller transactions and balances.
Here are some of the best features:
-
No monthly service fee
-
No minimum balance
-
Only $25 to Open
How to Make a Transfer
Bailey Bobcat Rates
Bailey Bobcat Savings
• Only $5 to Open
• No Minimum Balance
• Up to 0.50% APY1
• Dividends Paid Monthly2
• One Free Withdrawal per Month
$5 for Each Additional
1 Annual Percentage Yield (APY)
2 Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executive
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Smart Young Investors
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Bailey Bobcat
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Jr. Executive Rates
Bailey Bobcat Rates
Smart Young Investors Rates
Leaving Our Website
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Thank you for visiting us online. Please return when you need information about SIU Credit Union’s products and services.