Vehicle & Recreational Loans

Purchasing the car, ATV, or luxury ride you’ve always wanted shouldn’t be a complex, drawn-out process. St Thomas Credit Union has a financing option to get you moving. Compare our loan options below to find the perfect fit for your lifestyle and budget.

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Compare Our Vehicle Loan Options

Auto Loans

Get behind the wheel with competitive rates and flexible terms that keep your payments comfortably within your budget.

  • Starting Rate: As low as 4.49% APR* for qualified borrowers (up to a 48-month term).

  • Features & Benefits:

    • Available for both new and used vehicles.

    • Up to 100% financing available.

    • Get pre-approved before you visit the dealership to improve your negotiating power.

    • Quick, local decision-making.

  • Qualifications: Subject to credit approval, credit score, and membership eligibility.

  • Fee: A $35 loan application fee applies to consumer loan requests.

Boat, RV, and Motorcycle Loans

Take your adventures to the water or the open road with our specialized leisure and Recreational Loans.

  • Starting Rate: As low as 6.49% APR* for qualified borrowers (up to a 48-month term).

  • Features & Benefits:

    • Finance motorcycles, boats, RVs, ATVs, and personal watercraft.

    • Options available for both new and used recreational vehicles.

    • Flexible repayment terms designed for leisure vehicle depreciation.

  • Qualifications: Subject to credit approval, collateral evaluation, and membership eligibility.

  • Fee: A $35 loan application fee applies to consumer loan requests.

First-Time Auto Loans

Buying your first car is a major milestone! We offer a dedicated program to help members with limited borrowing history hit the road responsibly.

  • Starting Rate: As low as 7.49% APR*.

  • Features & Benefits:

    • Specifically designed for members with little to no credit history.

    • Helps build a solid credit foundation for your financial future.

    • Work directly with our local loan officers for guidance through the buying process.

  • Qualifications: Subject to credit review, income verification, and membership eligibility.

  • Fee: A $35 loan application fee applies to consumer loan requests.

Protect Your Investment & Your Peace of Mind

A vehicle is a major investment. St Thomas Credit Union offers comprehensive protection products to safeguard your vehicle, your wallet, and your family from the unexpected.

GAP Coverage & Mechanical Repair Coverage (MRC)

  • GAP Coverage: If your vehicle is totaled or stolen, standard auto insurance only pays its current market value. GAP covers the "gap" between what the insurance pays and your remaining loan balance, saving you from paying out of pocket for a car you no longer have.

  • Mechanical Repair Coverage (MRC): Avoid the stress of expensive, unexpected auto repairs. MRC provides extended warranty protection for parts and labor once your manufacturer’s warranty expires.

Payment Protection

Protect your family’s financial stability. If life takes an unexpected turn, Payment Protection can cancel or reduce your loan payment and protect your credit rating during difficult times. Our coverage options include:

  • LifePlus: Cancels your remaining loan balance in the event of loss of life.

  • Disability: Covers your monthly loan payments if you become disabled due to illness or injury.

  • Involuntary Unemployment: Helps cover your payments if you lose your job through no fault of your own.

Know What You Can Afford

Before you apply, get a clear picture of your loan. Use our free calculators to estimate how much you may qualify to borrow, see your projected monthly payment, and find out how much interest you'll pay over the life of the loan, so you can move forward with confidence.

Use Our Calculators

Disclosures

  • APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions.

  • Auto Loans: Rates as low as 4.49% APR* available for up to 48 months for highly qualified borrowers.

  • Boat, RV, and Motorcycle Loans: Rates as low as 6.49% APR* available for up to 48 months for highly qualified borrowers.

  • First-Time Auto Loans: Rates as low as 7.49% APR*.

  • Application Fee: A $35 loan application fee applies to all consumer loan requests.

  • All loans are subject to credit approval. Membership with St Thomas Credit Union is required. Contact the credit union for full details.