$50 Gas Card with a paylock Loan

Enjoy the best of both worlds with paylock, our new vehicle loan program.  Paylock offers discounted vehicle loan payments, ensuring you can purchase a vehicle you love and one you can afford. Your loan payment is calculated at a special introductory rate and your payment will always stay exactly the same. And we don’t care about your credit score.  Oh, and we'll help fill up your gas tank.

Lower your payment today! It’s easy to apply at saratogafcu.org/apply





*Annual Percentage Rate. Paylock is a Variable Rate/Fixed Payment loan with an Annual Percentage Rate, which may vary, indexed to the highest Prime Rate in the Wall Street Journal on the last day of each month, plus the rate margin indicated above. Your payment is set at time of application and will not change; instead, the term may be shortened or lengthened. Conversion to a fixed rate option is available at any time during the life of the loan. Currently, the initial annual percentage rate (APR) is “discounted” as stated above and will be in effect for the first 6 months of the loan term. After the first 6 months of the loan term the rate will reflect Prime Rate PLUS the margin for the respective loan type. As of 7/31/2023, the highest Prime Rate was 8.50%. Promotional rates expire 12/31/2023.  Gift card promotion begins April 15, 2022 and expires December 31, 2023. Gift cards will be provided at time of loan funding.  The credit union reserves the right to discontinue promotion at any time. Must be credit qualified.