We’ve Slashed Our Rates
We’ve dropped our Auto Loan rates! Now starting as low as 4.24% APR*!
Rates apply to:
New or used purchased
Auto refinances from another financial institution
Current Rates
Effective October 1, 2025
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| New & Used Auto | Up to 36 Months | 4.24% |
| New & Used Auto | Up to 66 Months | 4.99% |
| New & Used Auto | Up to 75 Months | 5.49% |
| New & Used Auto | Up to 84 Months | 5.74% |
No payments for 90 days
Ask about our no payments for 90 days program with your friendly loan officer.
save money on your auto protection plan
Our GAP Insurance is Lower Than Most!
When you finance your Auto Loan through Santa Rosa County Federal Credit Union, you can tag on an amazing deal on GAP insurance compared to purchasing it elsewhere, saving you hundreds of dollars! An Auto Protection Plan & Extended Warranty helps you drive with confidence, knowing that your vehicle is covered for the cost of repairs, potentially saving you hundreds or thousands of dollars in automotive repairs. For more details, speak to a loan officer at any of our branch locations and ask about our Auto Protection Plan.
Refinance Your Auto Loan and Drive Down Your Payments!
Already have an Auto Loan with another lender? Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments! Explore options to save more on the road ahead.
Why Refinance with SRCFCU?
Lower Interest Rates
Lock in a better rate and reduce what you pay over time.
Pay Less Over the Life of the Loan
A lower rate or shorter term can mean big savings on total interest.Lower Monthly Payments
Free up your budget with more manageable monthly payments.No Payments for 90 Days
Take a break—your first payment isn’t due for 90 days.Flexible Loan Terms
Choose a term that fits your lifestyle—shorter to pay it off faster, or longer for lower monthly payments.Improved Cash Flow
Keep more money in your pocket each month for what matters most.Better Lender Experience
Enjoy exceptional service, local support, and digital tools that make managing your loan easy.
Ready to Start Saving?
Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments!
Check Out Our Repo Deals
Contact Us
Fill out the form below to request a call back from one of our friendly loan officers
Learn about our Loan Payment Options.
Disclaimer: APR= Annual Percentage Rate. Terms and conditions apply. 90-day no payment is not automatic and must be requested through your loan officer. Auto refinances must be through another financial institution to qualify. Federally insured by NCUA.