Auto & Motorcycles

Saratoga’s Credit Union offers financing on new or used vehicles with fixed and variable rate options.  We make the auto buying experience easier with online dealer inventory searches, payment calculators and an easy mobile friendly loan application.  Start your search for a car, truck or motorcycle right now!  We understand you are more than just a credit score and, as a credit union, we believe that everyone deserves a second chance.  Special financing options can offer an 84 month term on all new vehicles.  A great way to help you afford more car for your money.

Refinance Your Existing Loan Today

If you already have a loan and are looking to decrease your payment or refinance into a better rate, we can help you too.  Simply, apply today to get started.

Vehicles for Sale

Jeep Liberty Limited SUV
Nissan Titan
Chrysler Sebring Limited
Mileage:  176,105
Color: Black
MPG:  17 City / 21 Highway
Drivetrain:  4WD

Mileage:  187,721
Color: Grey

Trans:  5-Speed Automatic
Drivetrain:  4WD

Mileage:  110,872
Color: Maroon
MPG:  24 City / 32 Highway
Drivetrain:  FWD
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Please refer to TCAR for terms and details,

Search from over 2 Million Vehicles

Not sure what you want? Start by exploring your favorite vehicle body styles

SUVs Sedans Luxury Cars
Sports Cars Pickup Trucks Wagons
Minivans/­Vans Convertibles Coupes
Electric/­Hybrids Hatchbacks Specialty Vehicles

Payment Calculator

Find out how much you can afford

Apply For A Loan

Click to apply online today!

Get Pre-Approved Rates

The Application Process

  1. Submit an Application
    Get the process started by filling out our online loan application.  You may also visit our branch location to fill out a paper application.
  2. Get Preapproved
    A lending representative will process your application and notify you if you are preapproved.  Most of the time this could happen in the same day.
  3. Find Your Vehicle
    Visit a dealership and find your vehicle.  Or shop online with our AutoSMART buying tool.  Compare vehicles from local dealerships without setting foot on the lot.
  4. Finalize Your Loan Documents
    When you finalize the deal, send us the purchase agreement and sign the loan documents.  Can’t make it into the branch?  No problem!  You can sign electronically using our secure online Docusign system
  5. Get Your Money
    We will cut you a check to purchase the vehicle.


Debt Protection

Your credit union wants to ensure that you and your loans are protected.  Protect your family and lessen the burden of making your loan payments should you become unemployed, disabled or lose your life with Debt Protection.

Auto Insurance Discounts

With discounts for credit union members, the TruStage Auto Insurance Program could save you money.  It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t lose a penny.

Pay Your Loan

Securely pay your loan using a debit card or e-check from another bank or credit union.