Auto Loans - Great RATE for ALL CREDIT SCORES!

Saratoga Federal Advantage

More than just rates, our goal is to help people in our community by making financial services and borrowing more affordable regardless of credit score.

Refinance 100% of your Outstanding Balance
Refinance your auto loan with us and we will finance 100% of your outstanding balance - a unique offer you won't find everywhere else.

Equal Rates for All Vehicles
New or used, enjoy the same unbeatable rate.

Credit Equality
All credit scores welcome with the same exceptional rate.

Exclusive Discounts
Thanku Member Loyalty can help you save money through loan discounts.
Limited Time Auto Refinance Discount Now Available!

Flexible Payments
Enjoy 60 days to your first payment for added flexibility.

Annual Skip-a-Pay
Skip a payment when needed, up to 2 times per year.




Payment Calculator


The Application Process


1. Get started by filling out our online application or visiting one of our branches.


2. Get preapproved. We will process your application and notify you when your preapproval is completed, usually the same day.


3. Finalize the deal, send us the purchase agreement and sign the loan documents online using Docusign or stop by the branch.


4. We will cut you a check to purchase your new 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.




Vehicles and Boats for Sale


Please refer to TCAR for terms and details,