Auto Loans

Get Behind the Wheel Faster with an Auto Loan from The Summit

Drive home in a new or new-to-you car with a low-interest auto loan that offers flexible terms and monthly payments that fit comfortably into your budget. Or take advantage of our low rates to refinance1 a higher-interest auto loan to lower your payments and save a bundle on interest. Just pick the financing option that is right for you.

A Summit Expresssm Auto Loan is perfect for buying a new or used car and can be done right at the dealer. Simply visit one of over 200 participating area dealerships, find the vehicle you want, check the current loan rates at the dealership, and apply for your loan. Be sure to say you want The Summit Express Auto Loan.

A standard Summit Auto Loan is great for purchasing a new or used car through a non-participating dealer or third party. You can apply for your auto loan online or at a local Summit branch. Once you are approved, just pick up your check at your preferred Summit branch and take it to the dealership. See our auto loan rates below.

Auto Loan Rates

Rates effective September 16 through September 30, 2018
TypeTermFixed APR* w/
Auto Payment**
per $1,000
Fixed APR* w/BillingPayment
per $1,000
New Car364.30%$29.664.55%$29.77
New Car484.40%$22.764.65%$22.87
New Car604.55%$18.674.80%$18.78
New Car724.60%$15.924.85%$16.04
Used Car
(2010 & newer)
Used Car
(2012 & newer)
Used Car
(2013 & newer)
Used Car
(2014 & newer)
Calculate Payment Apply Now!

View our current Loan Rate Sheet for a full list of rates.

Contact us with questions at (585) 453-7030 or (800) 836-SFCU extension 7030 or via email. Be sure to ask how you can save even more by having your loan payments automatically deducted from your Summit account each month.

All loans are subject to credit approval. Must be 18 years of age or older to apply. The Summit’s loan programs, rates, terms, and conditions are subject to change without notice. 100% financing available on car loans.

The rates shown are the best rates available.  

If refinancing a Summit Auto Loan, you must increase the outstanding loan balance by at least $1,000.  

*Annual Percentage Rate (APR) varies depending on your credit history.

**The automatic payment rate is only available when you authorize The Summit to automatically deduct payments from your Automatic Loan Payment Share account. To receive the automatic payment rate, the payment transfer must be from your Checking Account or Automatic Loan Payment Share account.

Not responsible for typographic errors.