At SIUE Credit Union, getting behind the wheel of your next vehicle is simple, fast, and affordable. Whether you’re shopping for a brand-new model or a reliable used car, our competitive rates and flexible terms are designed to fit your lifestyle and budget.
- Finance as much as 100% of the purchase price of new vehicles!
- Select from loan terms up to 84 months.
- Pay no hidden fees or prepayment penalties.
- Enjoy a fast and easy loan approval process!
- Apply online or in person.
- Make payments conveniently with payroll deduction.
For the ultimate convenience, be sure to get your loan pre-approved before you shop! You’ll enjoy stronger negotiating power with the dealer and save time and money.
Apply for an Auto Loan Auto Loan Rates Paper Loan Application
Credit Life and Disability Insurance
The credit union offers Credit Life and Credit Disability Insurance with most of our loan options. Credit Life Insurance will pay your remaining credit union loan debt in the event of your death, thus avoiding any financial burdens for your beneficiaries. * Credit Disability Insurance makes your credit union loan payments in the event you are unable to work due to a disability or injury that lasts more than 30 days.
Need a little extra breathing room? Eligible members may skip one monthly payment on qualifying secured loans to help manage short-term financial needs. Interest will continue to accrue, and the loan term will be extended by one month.
How to Apply
All requests are subject to approval. Fees and eligibility requirements apply. Please contact the Credit Union with any questions.
GAP Coverage
If your vehicle is totaled in a collision or stolen, your insurance may not cover the full amount you still owe on your loan. You’re responsible for paying the remaining difference—often called the “gap”—out of pocket. Guaranteed Asset Protection is low-cost coverage that can pay the potentially high-cost difference. Ask about it when you apply for your next auto loan!
MRC Coverage
The miles can add up, but the repair costs don’t have to.
MEMBER’S CHOICE® Mechanical Repair Coverage helps protect you from the high cost of future covered repairs, keeping your vehicle running for more miles and more years. With multiple coverage levels and deductible options, there’s a plan that fits your family’s needs and your budget.
Whether you rely on your vehicle for work or to get your family to school, practices, and activities, you need transportation that’s safe and dependable. As vehicles age, they require more care to stay in good condition. Putting off small repairs can lead to bigger, more expensive problems down the road—and ignoring certain issues can even become unsafe. Mechanical Repair Coverage helps you stay ahead of those costs and keeps your vehicle performing at its best.
Benefits of the program*:
- Good for use at any authorized repair facility in the U.S. or Canada!
- Rental reimbursement: up to $35/day for 1-5 days (1-10 days for parts delay. Available on first day of covered repair.)
- 24-hour emergency roadside assistance: up to $100 per use. Includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
- Travel expense reimbursement: up to $200 per day 1-5 days for food, lodging and rental when a breakdown occurs more than 100 miles from home. (Not available to NY residents.)
- Transferable: Can help boost your vehicle’s resale value when sold privately; a transfer fee applies.
- Cancelable: Receive a full refund within the first 60 days, or a pro‑rated refund after that (minus an administrative fee).
- No out-of-pocket expense at time of mechanical repair: (except for any deductible and any repairs not covered by the policy) – the covered repair is paid directly to the authorized repair facility.
- Ask about deductible options!