Consumer Loans

Are you in the market for a new auto, RV, motorcycle or boat; or perhaps you’re planning some exciting and needed home improvements; or need to pay off some credit cards? With our competitive rates, we’ll help you fulfill your ‘wants’ and ‘needs’ list! Our experienced loan specialists are available to speak with you in person, by email or phone.

Auto Loans

Rates as low as 1.99% APR*

Whether you are looking to purchase a new auto, or refinance your current auto loan, Southbridge Credit Union offers competitive interest rates and terms to accomplish your goal. You can also get pre-approved for a loan so you know what you can afford before you go car shopping. Visit a friendly loan specialist today!

  • Borrow up to 100% of NADA retail on vehicles 2013-2021
  • Borrow up to 70% of NADA retail value on vehicles 2012-2011
  • Borrow up to 60% of NADA retail value on vehicles 2010 and older
  • Maximum loan amount: $75,000
*APR = Annual Percentage Rate. Rate is determined by your personal credit history. Auto rate applies to 2018 & newer vehicles; maximum term of 63 months. Offer valid on loans new to SCU with payment automatically deducted from a qualified SCU checking account. Payment example: $10,000.00 @ 1.99% for 63 months; P & I $167.29, total interest over life $539.16. Offer may be withdrawn at any time and rates may change at any time without notice. APR reflects a 0.25% discount for automatic payment deducted from qualified SCU checking account. Cancellation of automatic payments from SCU deposit account after loan consummation may result in rate increase. Membership to SCU requires a one-time interest-earning deposit of $5.00 in a prime share account. Equal Housing Opportunity. Equal Opportunity Employer. Federally insured by NCUA. NMLS #616673.