When shopping for a new set of wheels, make Scenic Community Credit Union your first stop. Come to us before hitting the showroom floor, and you’ll enjoy a lower rate, a simpler loan application, and other benefits not offered by dealership lenders.
Applying for a car loan at Scenic Community Credit Union is quick and straightforward. Members can apply online or by phone and, due to their existing relationship with the credit union, have a head start on pre-approval!
Direct & Indirect Auto Loans
Choose SCCU for quality loans for new and used vehicles. We offer direct loans to purchase your vehicle and indirect auto financing through partner dealerships, all with our great rates and service.
We offer:
- Terms up to 84 months for newer vehicles
- Terms up to 72 months for older vehicles
- GAP Insurance and warranty protections
- Life and disability insurance
- Refinance loans
Come in for some of the best auto loans in Tennessee and North Georgia. Get pre-approved for a new or used vehicle purchase, or click below to start the process online.
Motorcycle Loans
Prefer to head out on the road on two wheels? We’ve got you covered with SCCU’s trademark competitive rates and great service for motorcycles of 1,200cc and up.
Our services include:
- Terms up to 84 months on new motorcycles.
- Terms up to 72 months on used motorcycles (2015 model years or newer).
- The same services and features as our auto loans.
Motorcycles less than 1,200cc can be financed with SCCU’s other secured loan options. Click below to kickstart your motorcycle loan application process.
Recreational Vehicles & Watercrafts
Looking to explore our scenic backyard with an RV, trailer, or fifth wheel? We’ll get you rolling with financing tailored to the unique needs of RV owners.
We offer:
- Terms up to 120 months for new RVs.
- Terms up to 84 months for used RVs (2015 or newer).
- The same features and services as our auto and motorcycle loans.
Older RVs can be financed with SCCU’s other secured loan options. Click below to apply for RV financing that will widen your horizons.
Auto Loan Resources
Explore our auto loan resources, such as rebate, payoff, and monthly payment calculators, to help you make informed financing decisions and plan your budget effectively. These tools can let you compare offers and understand the long-term costs of financing a car before committing to a loan.
- Auto Rebate Calculator: Compare low-interest financing to a manufacturer rebate to see which saves you more. A rebate cuts your loan balance, while low-interest financing lowers your monthly payment.
- Monthly Payment Estimate: Use this calculator to help you determine your monthly car loan payment or purchase price.
- Auto Payoff Calculator: Discover potential interest savings on your auto loan by increasing your payments with this financial calculator. A detailed amortization schedule and total savings are available in the report.
Auto Loan FAQs
Why should I get an auto loan through a credit union?
Credit unions are member-owned, not-for-profit financial institutions focused on helping you, not making profits for shareholders. That means better rates, fewer fees, and personalized service.
What interest rates can I expect?
Our rates fluctuate over time in response to market conditions. For the most up-to-date rates and annual percentage rates (APRs), check out our loan rates page. Individual rates vary and are determined by your credit history, credit score, and other factors.
What are the available loan terms?
We offer auto loan terms of up to 84 months. Details of our auto loan terms are available on our rates page. We also encourage you to speak with one of our local loan officers to find the best term and rate that fits your needs based on creditworthiness.
Can I refinance my current auto loan?
Yes, you can refinance your auto loan even if you got it from another lender. You may be able to get a lower rate, better terms, or a lower monthly payment. Speak with our loan officers to review your current loan.
Can I make extra payments or pay off my loan early?
Yes, making extra payments or paying off the loan early can save you money on interest over time, especially when applied to the loan principal and not just future payments. Speak with one of our local loan officers to review your best options.
How do I make payments?
Payments can be made through our online banking service or by visiting one of our branches in person.
Explore Accounts
Savings Accounts
It’s never too soon to start planning for the future. Choose from our selection of free savings accounts, dividend-earning Special and Money Market accounts, and generous share certificates. Start building a better tomorrow today.
Individual Retirement Accounts (IRA)
Whether you're just starting to save for retirement, receiving a pension plan payout, preparing to retire soon, or setting aside funds for your child's education, an SCCU IRA can help you achieve your long-term financial goals.
Credit Cards
Make the purchases you need, anytime and anywhere, with an SCCU credit card. No matter if you're a seasoned credit card user or looking to build credit for the first time, we have convenient card options tailored just for you.