New & Used Vehicle Loans

Let's Get You Financed.

Whether you're buying new, used, or refinancing, our vehicle loans offer affordable rates and flexible terms to fit your budget. At Sunrise Family Credit Union, we want our members to get an excellent deal and even better service. Let our low monthly payments put you in your next vehicle! Get into your next vehicle with Sunrise Family Credit Union!

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New & Used Auto Loans

SFCU offers 100% financing and flexible terms up to 84 months to help keep your payments low. There are no application fees, and the process is easy and fast. Secure your new car with an SFCU Auto Loan, we make the process fast and easy. Plus, we offer 120% financing and flexible terms up to 84 months to keep your monthly payments manageable.

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*Credit approval required. Interest accrues from date loan is funded. Offer valid on new and used auto and recreational loans.

What can we help you with?

First-Time Auto Buyer Program

No credit? No problem. Our First-Time Auto Buyer Program is specifically built for individuals with little to no credit history. It’s the perfect way to get behind the wheel while building a solid financial foundation.

Refinance Your Ride

Already have a car financed elsewhere? Refinance your non-SFCU auto loan today to lower your monthly payments, reduce your interest rate, or adjust your terms for more flexibility.

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Dealer Direct Financing

SFCU has partnered with dozens of trusted local dealerships to provide you with a seamless car-buying experience.

Mention SFCU: Tell the salesperson you want to finance with Sunrise Family Credit Union.
Fast Approval: The dealer sends the info, and we can approve it in minutes.
One-Stop Signing: Sign your SFCU loan documents right at the dealership.

Find a Dealership

Member Loyalty Program

The more you bank with us, the more you benefit.

With our Member Loyalty Program, qualifying members enjoy lower loan rates as a “Thank You” for choosing us as your trusted financial partner. To celebrate our 70th year anniversary, we are offering a 0.70% discount on a variety of loans. Contact SFCU today to learn more!

*Auto pay and direct deposit are required to receive the rate discount. Discount excludes mortgages, home equities, credit cards, and unsecured loans.Rates and terms are subject to change without notice. Discount cannot be combined with any other promotion or discount.

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Hometown Hero Program

You take care of our community-now let us take care of you.

Our Hometown Hero’s Program provides special loan savings for loans here as a token of our appreciation for your service and dedication. We are offering a 0.70% discount this year to celebrate our 70 years! Contact SFCU to learn more!

*Discount is excluded from mortgages, home equities, and credit cards. Discount cannot be combined with any other promotion or discount. Rates and terms are subject to change without notice.

Additional Details

Payment Protection

Protect your ride and your wallet with SFCU’s low-cost Debt Protection and GAP Plus options. Life is unpredictable—ensure your loan is covered in case of emergency.

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Skip-A-Payment

Need a break? Our Skip-A-Pay program lets you skip your monthly payment for a small $25 fee on qualifying SFCU loans. It's a great way to get extra cash when you need it most.

Skip-A-Pay Details

Switch & Refi

Make the move and start saving with SFCU! Our Switch & Refi Discount Program offers reduced loan rates when you bring your loan to us-helping you lower your payment and keep more money in your pocket. SFCU offers 1%* off a current non-SFCU loans, including auto, boat, RVs, Motorcycles, and Powersport** loans. Join us today and let SFCU put money back in your pocket!

*Subject to a minimum rate of 4.08% for auto, 5.49% for Boats, 5.49% for RV/Camper, 5.99% for Motorcycle, 5.99% for Powersports or our lowest SFCU rate which ever saves you more. Direct Deposit and Auto pay are required. Proof of current rate and terms of the loan to be refinanced is required. Promotion does not apply to existing loans with Sunrise Family Credit Union. Rates and terms are subject to change without notice. Promotion be combined with any other discounts. Excludes mortgages, home equities, and credit cards.

**Powersport includes snow mobile, jet ski, side by side, off road motorcycle

Current Loan Rates

Auto Loan Rates

Automobile and Motorcycle Loans

Effective Date: Wednesday, July 22nd, 2026

Year(s)	Term	APR (Annual Percentage Rate) based on as low as
Automobile
2023 - 2026	Up to 61 Months	5.25%
2023 - 2026	62 to 73 Months	5.25%
2023 - 2026	74 to 84 Months	5.50%
2018 - 2022	Up to 61 Months	5.75%
2018 - 2022	62 to 73 Months	6.00%
2015 - 2017	Up to 61 Months	6.25%
2015 - 2017	Up to 73 Months	7.00%
2014 & Older	Up to 37 Months	6.50%
2014 & Older	Up to 61 Months	7.00%
Motorcycle
Titled	Up to 61 Months	6.70%
Titled	Up to 73 Months	7.70%
Annual Percentage Rate= APR *Apply to purchases only. Rates are subject to change at any time. Rates are as low as. Actual APR may be higher based on your credit score. Rates differ for members less than 90 days. no application fees apply. regular SFCU underwriting qualifications apply for approval. Contact SFCU for more details. Interest will continue to accrue if no payment is made. Contact SFCU for more information: 800-589-1079.

Recreational Vehicle Loans

Boat, Motor Home, and Other RV Loans

Effective Date: Wednesday, July 22nd, 2026

Category	Term	APR (Annual Percentage Rate) based on as low as	Example Payment (on $10,000)
Boats, Motor Homes & Trailers*	Up to 61 Months	6.70%	$191.73
Boats, Motor Homes & Trailers*	Up to 73 Months	6.70%	$170.98
Boats, Motor Homes & Trailers*	74-144 Months	7.70%	$172.87
Other RV Titled*	Up to 61 Months	6.70%	$196.44
CD Secured Loan	For 60 Mos. All Tiers	2.99% APR over like term CD rate	$179.64
*Annual Percentage Rate=APR. APR based on sample loan amount of 25,000, payable in the number of months shown above. Actual APR may be repayment and credit score. Must meet SFCU normal underwriting qualifications for approval. No loan fee applications apply. Rates may change at any time. Rate is the annual rate of interest. Interest will continue to accrue if no payment is made. Contact SFCU for more details. 800-589-1079.

Let's get you preapproved

Have these documents ready to speed up your application:

Recent paystub (Self-employed? We'll need a W2 or signed tax returns).
Title (Only if refinancing your current vehicle from another lender).
Proof of insurance.

Apply Today

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How much can I afford?

Built by members, powered by community.

Enjoy personalized service, competitive rates, and fewer fees—because profits are reinvested back into our members, not shareholders. With a focus on financial well-being, local impact, and trusted guidance, Sunrise Family will help you build a stronger financial future with confidence.

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WHY PEOPLE LOVE BANKING WITH US

"I have been a SFCU member since the early eighties. The staff is very friendly and has provided me with sound financial advice. I believe in Credit Unions over banks. I look forward to working with SFCU on future endeavors."

—Melvin Mathews

Need to get in touch?

Our friendly Loan Department is ready to help you upgrade your ride!

Call: 989-684-1730 or 800-589-1079

View Our Branch Locations