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SAFE has a no-pressure approach to getting you the best auto loan for you. We’ll help you get pre-approved for a competitive rate with flexible terms, fast processing, and support from our financing experts. That way you can shop for cars with confidence. New, used, and refinance loan options are available. Let SAFE help drive your cash flow in a positive direction. Schedule an appointment today .
We reward members who stay with SAFE for their next auto loan. If you’ve paid off a SAFE auto loan in the past 60 days, finance your next vehicle, boat, RV, or motorcycle with us and enjoy 0.50% off our current rate.1
Rates as low as
APR*View rates
Have on auto loan with another lender? Refinance with SAFE to get 0.50% off your current lender’s rate or get our rate instead. Whichever saves you more.1 Have questions, Chat or call today.
*APR subject to change based on final loan amount, term, collateral, and collateral value.
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Welcome! Apply for a loan in minutes.
You will need the following information in order to complete the application:
New auto loan rates as low as APR
Terms up to 90 months2
No payments for 90 days3
Personalized service when you need us
See Vehicle Rates
Terms up to 84 months1
No payments for 90 days2
Before You Purchase
Credit and Auto Financing Options
Protection Products For Your Vehicle
Getting pre-approved before you shop means you can get excited about your next car because you know what you can afford. A dedicated SAFE Loan Fulfillment Specialist will partner with you to help you make an informed financing decision during the car buying process.
Pre-approval helps you understand the total dollar amount you can shop for. Make sure to factor in about 10% for taxes, DMV fees, and warranties. Also keep in mind that your final APR can only be determined after you’ve chosen the exact car you want, since it’s impacted by several factors including car age, mileage, make, and model.
Schedule an appointment
You rely on your vehicle every day, so it’s important to protect it. Learn about affordable and practical protection options – including Guaranteed Asset Protection (GAP),4 Mechanical Breakdown Insurance (MBI),5 and SAFE Payment Protection (SPP)6 – so you’re better prepared for what’s down the road. It’s a part of the reason we’ll finance up to 125% of your auto purchase price.
Learn More
Once you’re pre-approved, use our AutoSmart search engine to find the vehicle you want at our trusted dealer partners. Shop multiple dealers at one time for best pricing and vehicle selection.
Search: find the right car for you using a search function that sorts by make, model, price, year, mileage, and much more.
Build: choose the make and model you're looking for; then add on additional features available for that model.
Research: get specifics on various cars, including safety features, mpg, trip package options, and other useful specs.
Finance: filter your search so only autos in your price range are generated to choose from.
Research Your Next Car
Effective date 7/1/25. 1 Lowest available APR is 5.44% for this promotion. Rates and terms subject to change and are based on credit history, term, loan-to value (LTV), and amount financed. Cosigners and cash out limitations may apply. All loans subject to credit approval and membership eligibility. To qualify for the Relationship Discount Rate, you must be an existing member for at least 30 days at time of application. To qualify for this promotion, you must meet one of the following: (1) refinance vehicle from another institution or (2) apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. Promotion includes RV, watercraft, and motorcycles. 2 Rates shown include a 0.20% Member Discount rate. Payment example: $25,000 loan at 7.29% APR for 90 months is $361.42 for new car financing. Up to 125% financing. Rates and terms may vary and are based on credit history, term, loan-to-value (LTV), and amount financed. Rates, terms, and conditions subject to change. All loans subject to credit approval and membership eligibility. 3 Finance charges begin accruing upon loan disbursal. See SAFE for terms and conditions. 4 Purchase of Guaranteed Asset Protection (GAP) is optional and will not affect your application or the terms of any credit agreement. Certain eligibility requirements, conditions, and exclusions may apply. 5 Purchase of Mechanical Breakdown Insurance (MBI) is optional and will not affect your application or any credit agreement. Mileage limitations based on plan chosen, 30 day and 1,000 mile waiting period after purchase, and vehicle must be maintained according to manufacturer's specifications. Refer to the Route 66 Service Agreement for further details. 6 Your purchase of SAFE Payment Protection is optional. Whether or not you purchase SAFE Payment Protection will not affect your application for credit or the terms of any existing credit agreement you have with SAFE Credit Union. We will give you additional information before you are required to pay for SAFE Payment Protection. This information will include a copy of the contract containing the terms and conditions of SAFE Payment Protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving SAFE Payment Protection benefits; you should carefully read your SAFE Payment Protection contract for a full explanation of the terms and conditions of the SAFE Payment Protection Program. Term limits may apply.
If you click "continue" below, you will be directed to a third party's web site. As a member service, SAFE Credit Union offers links to web sites of third parties whose products or services we believe offer good value and may be of interest to you. In some cases, if allowed by law, SAFE Credit Union may receive compensation from third parties whose products or services you purchase. Third parties are solely responsible for their web sites, products and services, and maintain their own consumer data privacy policies, which may differ from those of SAFE Credit Union. Use of third party services, products and web sites is solely at your discretion. To go to a third party web site, click "continue." To go back to SAFE Credit Union's web site, click "close."
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