Vehicle Loans

Take the smart course. Before visiting the dealership, arrange a pre-approved car loan at St. Joseph's Credit Union. A pre-approved loan puts you in the driver’s seat when negotiating price or comparing lease agreements. And when comparing, remember to ask about making extra payments, loan insurances and cost of borrowing. With the right information, you can make the right decision that fits your lifestyle.

Use a pre-approved loan for used and new cars, trucks, boats or recreational vehicles. Ask about our special, new car loan rates.


  • Flexible repayment terms
  • Repay your loan faster with weekly or bi-weekly payments
  • No penalty for extra payments or early repayment


  • Credit life, disability and critical illness insurance available
  • Competitive rates
  • Special rates for new vehicle loans
  • Extended terms for new vehicle loans


Click Here For Rates

Expert Articles
Whether you’re just getting started, or fully engaged in your quest for more information, our expert articles will help shed light on your vehicle financing questions.

Vehicle Loan Financing Basics
When considering financing a new vehicle purchase, it’s important to understand the basics about your options. At St. Joseph’s Credit Union, our financing options are accompanied by features that give you flexibility, and put you in control of your money. Learn more

Should You Lease or Borrow to Buy a Vehicle
Choosing whether to lease or borrow to buy a vehicle depends on your priorities, how you plan to use the vehicle, and what you can afford. There are few questions you need to ask yourself now before you decide. Learn more

Cost of Buying a Vehicle Quick Reference
When considering buying a vehicle, there is more than a purchase price to consider when determining affordability. Learn more

A Vehicle Loan Pre-approval Can Put You in the Driver’s Seat Sooner
Knowing how much you can afford to spend is the first step toward making the purchase of a new vehicle a stress-free and enjoyable experience. Learn more

What You Need to Know about Vehicle Financing
Why 0% Financing may not be the best value, why you should be aware of the threat of an upside down loan, and how buying new could be more affordable for you. Learn more

Vehicle Buying Tips – To Help You Negotiate a Better Price for Your New Vehicle!
At St. Joseph’s Credit Union, we believe vehicle shopping should be fun. If you’re considering a new purchase, we have some tips and advice on how to get the best value out of your purchase. It’s simply a better approach. Learn more

Tips to Help You Choose the Right Vehicle
First you should understand your goals. By prioritizing and evaluating what you will be using the vehicle for and what features are most important to you, you’ll be better able to narrow down which vehicle is right for you. Learn more

Buying Used – Tips to Help You Get the Best Value
The decision to buy used vs. new could be an easy one if you consider a brand new car depreciates by approximately 30% in the first year of ownership. If you’ve made the decision to buy a used vehicle, there are a few tips to help you along the way. Learn more