NOTE: The Annual Percentage Rates shown above reflect the current minimum APR offered to members in a relationship banking bundle and includes a 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Rates and terms subject to change at any time without notice.

1 First payment may be deferred for 90 days. Interest will continue to accrue from the date of loan disbursal and be due once payments begin. Speak with a Signal team member for complete details.

2 APR=Annual Percentage Rate. Rates as of May 20, 2026. The APR shown above reflects the current minimum APR offered to qualified members enrolled in Signal Smart Plus and have automatic payments from a Signal account which results in a 0.25% APR discount, and an additional 0.25% promotional discount for Auto Loan applications entered during May 18, 2026 to July 6, 2026 promotional period. For members not enrolled in Signal Smart Plus, add 0.25% APR to the above advertised rates. Signal Smart Plus and promotional discounts do not apply to internal Signal Financial loan refinances. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score. If a $25,000 new auto loan was taken out at 5.24% APR, the lowest rate available to members not in Signal Smart Plus for 60-months, the monthly payment would be $474.59. If a $25,000 new auto loan was taken out at 4.74% APR, the lowest possible rate after the 0.25% Signal Smart Plus discount and 0.25% promotional discount for 60-months, the monthly payment would be $468.86. Your payment may differ depending on rate, term, first payment date, and product. Maximum financed amount is determined by your credit score and a down payment may be required. Please apply or contact a Credit Union representative to determine the rate and term for which you qualify. Not all applicants will qualify or qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Membership required. Signal Financial Federal Credit Union is insured by NCUA.

3 Qualified applicants that open a new Visa Platinum Rewards credit card and a vehicle loan during the promo period will receive a 5,000 reward points bonus to their credit card rewards account. Qualified applicants that open a new Visa Signature Cash Back credit card and a vehicle loan during the promo period will receive a $50 cash back reward bonus to their credit card rewards account. Bonus rewards will be granted to qualified applicants 45 days after the promo end date. Credit card must be activated in order to receive bonus rewards. 

4 Guaranteed Savings is not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in stock at the Certified Dealer.

5 Approval based on creditworthiness.

6 Mechanical Breakdown Protection (MBP) is subject to limitations and exclusions. To find out if MBP is right for you, please contact Signal Financial Federal Credit Union at 301-933-9100.

7 Your purchase of GAP is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver Addendum, which will contain the terms and conditions of GAP benefit.

GAP eligibility requirements, conditions, and exclusions.

There are eligibility requirements, conditions, and exclusions that could prevent you from receiving GAP benefits. You should carefully read your GAP Waiver Addendum Form for a full explanation of the benefits, rules, and terms and conditions of the program. This webpage is not a contract. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. GAP is subject to limitations and exclusions, including but not limited to a loan-to-value (LTV) maximum.

Not available in NY or AK.