Hit the Open Road—or Water

A low-rate auto loan or boat loan from Suffolk Federal can help get you behind the wheel of your next new or used car or boat faster and more affordably than you ever thought possible. Want to find out if you qualify? We can do that.

Not sure how much boat or vehicle you can afford? Our Auto and Boat Loan Calculator eliminates the guesswork!

Get in the driver’s seat with our auto loan features:

Make a Branch Appointment today or…

Apply for an Auto Loan Now!

Considering refinancing your current auto loan to reduce your monthly payments? Our Auto Refinance Calculator can help you see how much you’ll save!

Understand how auto loans work with one of the many financial empowerment courses Suffolk Federal is proud to offer.


Enterprise Car Sale Program
By purchasing a vehicle at Enterprise Car Sales and financing it with Suffolk Federal, members receive VIP treatment! Check it out to shop more than 8,000 quality used vehicles. Learn more about The Enterprise Difference, including No Haggle Car Prices, Free CARFAX® reports, Roadside Assistance and more. Check out this month’s offer from Enterprise!

It’s smooth sailing with our boat loan features:

  • New Boats: Financing up 80% MSRP or the purchase price, whichever is less. May include sales tax and title.
  • Used Boats: The loan is subject to 80% NADA book value, appraised value or purchase price, whichever is less. A marine survey may be required, and the member is responsible for any fees.
  • Lower rates with automatic payments through Direct Deposit or Share Transfer.
  • Physical Damage Insurance required.
  • Financing available for purchases only.

Apply for a Boat Loan Now!

See yourself behind the wheel? We see it too.

Prefer to speak to a person about a low-rate auto or boat loan? Contact us or visit your local branch.

* APR= Annual Percentage Rate. Rates and terms are subject to change based on borrower eligibility, credit worthiness, and reflect automatic payment discount. For every $1,000 borrowed at 2.99% APR for 60 months the monthly payment will equal $17.96. APR fixed at time of loan but will increase if member stops automatic payments. 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. Please see a Suffolk Federal representative for additional information, applicable fees and terms.

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