AutOS, TRUCKS, & Motorcycles

Whether you would like to refinance an existing loan, upgrade your vehicle or buy the motorcycle you have always dreamed of, we would like to help. Plus, we are offering special, discounted rates on all autos, trucks and motorcycle loans! Be sure to take advantage of the offer before it expires.

Apply Today - It's simple and there is no application fee.  Once we receive your application, we will personally contact you to review our programs and answer any questions you may have.


Grand Opening Special - discounted rates EXTENDED! 


Expires 6/30/21 9/30/21

Loan Term Promotional Loyalty Fixed Rate APR*  
Up to 24 months 3.50%    0.99% APPLY
25 - 36 months 5.00%    1.99% APPLY
37 - 48 months 5.50%    1.99% APPLY
49 - 60 months 5.75%    1.99% APPLY
61 - 72 months 6.25%    1.99% APPLY
73 - 841 months 6.50%    2.99% APPLY

*Annual Percentage Rate
Rates apply to all vehicle loan options and include new or used. Discount applies to fixed rate loans only. Sample payment per $1,000, based on a 60 month Auto Loan at 1.99% is $17.53 per $1,000.  Limited time promotion, expires 9/30/2021.  The credit union reserves the right to discontinue promotion at anytime.  Must be credit qualified.  Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan and are eligible for this promotion.  Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.
184 month term applies to new autos only.


Financing New or Pre-Owned Vehicles

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. Here's what we offer:

  • Low payment terms
  • Great rates for all credit scores
  • NO payment for 60 days
  • Autos, trucks, or motorcycles
  • New/pre-owned purchase
  • Refinance from another institution, cash out equity may be available
  • Skip-A-Pay Program Available

Search Inventory  Autos for Auction  Apply


Search from over 2 Million Vehicles

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

white suv automobile white sedan automobile white luxury automobile
SUVs Sedans Luxury Cars
white sports automobile white pick up automobile white wagon automobile
Sports Cars Pickup Trucks Wagons
white mini van automobile white convertible automobile white coupe automobile
Minivans/­Vans Convertibles Coupes
white electric or hybrid automobile white hatchback automobile White motorcycle
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.


Vehicles and Boats for Sale


Please refer to TCAR for terms and details,