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

Drive home in a new or used car with a low-interest auto loan, flexible terms and monthly payments that fit your budget. Or take advantage of our low rates to refinance1 a higher-interest auto loan, lower your payments and save a bundle.

Pick the option that's right for you:

Summit Expresssm Auto Loan
Get a Summit Express Auto Loan right at the dealer. Simply visit one of over 300 participating area dealerships, find the vehicle you want, check current rates and apply. Be sure to say you want The Summit Express Auto Loan.

Standard Summit Auto Loan
Purchasing a car from a non-participating dealer or third party? No problem. Just apply for a standard Summit Auto Loan online or at a Summit branch. Once you’re approved, pick up your check from your preferred branch and take it to the dealership.

Auto Loan Rates

Rates effective November 16 through November 30, 2019

Type
Term
Fixed APR* w/ Auto Payment**
Payment per $1,000
Fixed APR* w/Billing
Payment per $1,000
New Car
36
3.95%
$29.50
4.20%
$29.61
New Car
48
4.00%
$22.58
4.25%
$22.69
New Car
60
4.15%
$18.48
4.40%
$18.60
New Car
72
4.25%
$15.76
4.50%
$15.87
New Auto
84***
4.80%
$14.04
5.05%
$14.16
Used Car (2011 & newer)
36
4.00%
$29.52
4.25%
$29.64
Used Car (2013 & newer)
48
4.05%
$22.60
4.30%
$22.71
Used Car (2014 & newer)
60
4.30%
$18.55
4.55%
$18.67
Used Car (2015 & newer)
72
4.45%
$15.85
4.70%
$15.97
Used Auto (2017 & newer)
84***
4.95%
$14.11
5.20%
$14.23

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

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

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.

***A Paper Only.Minimum Dollar Amount is $20,000.

Not responsible for typographic errors.