Auto Loans

The open road is calling. Let's get you out there.

Get in gear with Suffolk Credit Union.

Kick the tires. Look under the hood. Make your choice. And then turn to us for an affordable loan that's built for the long haul. 

Competitive rates

Flexible repayment periods

Motorcycle and RV loans available

It all starts with finding the right vehicle. We offer easy online shopping that allows you to browse dealer inventories without leaving your home.

Many of us spend so much time in our cars, trucks or SUVs that they're almost like second homes. We know you need a vehicle that fits your job, your family and your lifestyle. That's why we go the extra mile to provide fast loan servicing and great rates.

  • New car financing up to 100% MSRP, plus sales tax, license, and extended warranty*
  • Used car financing up to 100% of the NADA retail value or the purchase price, whichever is less, plus sales tax, title and extended warranty**/*
  • Repayment periods of up to 96 months for new vehicles and 84 months for used vehicles
  • Lower rates with automatic payments through Direct Deposit or Share Transfer
  • Extended warranties, Loan Payment Protection. GAP (Guaranteed Asset Protection), and Mechanical Repair Coverage available
  • Prequalify for a loan and make life easier at the dealership
  • Browse the region’s largest inventory of new and pre-owned vehicles and secure Suffolk Credit Union financing right at the dealership
  • Motorcycle, off-road vehicle, and RV loans also available

You must be an existing member or qualify for membership in order to complete an Auto, Motorcyle, Off-Road Vehicle, or RV Loan application at Suffolk Credit Union. Membership is open to anyone who lives, works, worships, attends school or regularly conducts business in the towns of Babylon, Brookhaven, Huntington, Islip, Riverhead, Smithtown, or Southold, or the Poospatuck Reservation, or Nassau County, NY, as well as immediate family members of current membership.

Car Purchasing Tips

Find a great car and successfully negotiate the best overall price with this education series.


Start shaping your financial future.

* New auto loans may finance up to 100% of the MSRP or the purchase price, whichever is less, plus sales tax, license and extended auto warranty. Used auto loans may finance up to 100% of the NADA Value Guide or the purchase price, whichever is less, plus sales tax, license and extended warranty. Extended warranty financing maximum is $2,000 on autos and $2,500 on trucks. Extended warranty finance limit on all other vehicles is $2,500. APR fixed at time of loan but will increase if member stops automatic payments. Please see a Suffolk Credit Union representative for additional information, applicable fees and terms.

** Vehicles prior to 1973 do not qualify for a Used Auto Loan.