Auto Loans

Finance or Refinance a Car Today!

Apply today to get a custom rate quote.


Cruise into fall savings!

Apply now for rates as low as 1.99% APR4

Apply Now


Finance or Refinance your vehicle at Signal!

Signal Financial finances new & used auto and motorcycle loans with terms up to 84 months. We can also refinance your existing loan to save you money or get extra cash. Apply by clicking below or call Signal’s lending team at 301-933-9100, ext. 105 to find out more about financing your car, SUV, truck or motorcycle at a low rate.

Apply Now


Member Benefit!

Signal offers members who enroll in a Direct or Premium product bundle a discounted rate on vehicle loans. Get a loan pre-approval from Signal, then use our car buying service, Signal Financial Premier Car Buying Service, to get price protection and an easier car buying experience at a certified dealer. Read below for more details.


Shop and save with the Signal Financial Premier Car Buying Service

Drive away in the right vehicle at the best price. Use Signal Financial Premier Car Buying Service, powered by TrueCar®, to help you locate your next new or used vehicle, see what others paid, get guaranteed pricing, and buy your car with less hassle and time.

Members see an average guaranteed savings of $1,824 off MSRP1

Here’s how it works:

  1. Get pre-approved for your low-rate Signal Financial vehicle loan by applying online or in-branch.
  2. Find your dream car online at the Signal Financial Premier Car Buying Service website and receive an exclusive no-cost, no-obligation Price Protection Certificate.
  3. Go purchase your car by bringing your loan pre-approval and Price Protection Certificate to the dealer for an easy car buying experience!

Signal Financial Premier Car Buying Service

With Signal Financial Premier Car Buying Service, you can:

  • Get guaranteed prices. Find guaranteed savings2 on new cars and dealer-guaranteed prices on used cars before even visiting a dealer.
  • Search and compare. Build your dream car, compare features, view photos, read reviews and check your trade-in value. You can even see what others paid for the vehicle you want.
  • Get a better buying experience from our network of pre-screened dealers.
  • Enjoy a hassle-free purchase with no haggling over the price.

Vehicle Loan Rates

ProductUp to 48 months3
APR4 as low as
Up to 60 months3
APR4 as low as
Up to 72 months3
APR4 as low as
Up to 84 months3
APR4 as low as
New Autos52.24%2.49%2.74%2.99%
Used Autos62.49%2.74%2.99%3.24%
New Motorcycles74.24%4.24%4.24%Not Available
Used Motorcycles84.74%4.74%Not AvailableNot Available

Signal offers GAP and MBP as optional benefits:

  • GAP Waiver* — GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including but not limited to loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle financed or leased with our financial institution! The actual cash value of your vehicle as determined by your primary insurance carrier could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum LTV %. GAP may also cover up to $1,000 of your deductible if there is a “gap” after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance settlement. Not available in NY or AK.
Loan Balance$18,000
Insurance  Settlement$15,000
GAP covers$3,000
  • Mechanical Breakdown Protection Program* — Drive with the peace of mind knowing that with Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures. In addition to repairing your vehicle, MBP provides services such as rental car allowance, 24/7 roadside assistance, and towing. MBP is available for both new and used vehicles. This coverage will protect your vehicle after your warranty has expired. Ask us how you can drive with the proper protection against costly repairs!

Questions about your existing vehicle loan? Call 301-933-9100, ext. 130 for assistance.

NOTE: The Annual Percentage Rates shown above reflect the current minimum APR offered to members in a relationship banking bundle and includes the discount for Premium Bundle members with automatic payment from their Signal Financial account. See footnote #4 below. 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 Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $1,824. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing. Neither TrueCar nor Signal Financial Premier brokers, sells, or leases motor vehicles.

2 Guaranteed Savings 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.

3 Terms up to 72 months for new and used auto loans: $5,000 minimum loan amount (minimum 580 credit score). Terms between 72 and 84 months for new and used auto loans: $15,000 minimum loan amount (minimum 660 credit score). Terms up to 66 months for new and used motorcycle loans: $2,000 minimum loan amount. Terms between 67 and 72 months for new and used motorcycle loans: $15,000 minimum loan amount (minimum 660 credit score).

4 APR = Annual Percentage Rate. Promotional rates are a 0.25% APR reduction taken from the standard Signal Financial FCU auto loan for which a member qualifies, in addition to any other discounts for which the member qualifies. Not all applicants will qualify. Members who opt into a Direct Bundle or Premium Bundle may combine the bundle’s loan rate discount with this promotion. May be applied to new or used vehicles. Only outside (non-Signal Financial FCU) loans are eligible for refinancing using this promotion. Promotion for a limited time only. Applications received outside of promotional period are not eligible for promotional APR. To receive the promotional APR, member must have automatic payments set up for the loan to come out of a Signal Financial FCU account, starting with the first loan payment. Rates and terms are based on an evaluation of credit history, so your rate and term may differ. Not all applicants will qualify for the lowest rate. The lowest rate available including all discounts and offers is 1.99% APR for new vehicle purchases or refinances, available only to members enrolled in a Premium Bundle, which offers a 0.75% discount on auto loans. The lowest available rate without a Bundle discount is 2.99% APR. Payment Example: Loan of $25,000 for 48 months at 1.99% APR will have a monthly payment of $536.83. Must be over age 18 and a Signal Financial FCU member in good standing to qualify. Good standing with Signal Financial FCU means no loans currently past due more than 15 days, no collections or charge-offs, no negative balance shares, no more than six non-sufficient fund fees in a six-month rolling period, no revoked overdraft privileges, and no tax lien or garnishment. Non-member applicants must qualify for credit union membership and must become a member in order to receive the loan. Rates and terms are subject to change at any time without notice. This credit union is federally insured by the National Credit Union Administration.

5 Fully available on vehicles that have never been titled and secured up to 120% financing of net discount price plus taxes, tags, GAP insurance and extended warranty. New Auto rates apply to 2021–2023 model year vehicles with fewer than 5,000 miles. Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

6 Used Auto rates apply to model years 2014–2021. Older models and “Classic” or “Antique” vehicles will be considered on an exception basis and require approval from Consumer Lending. Financing available on amounts up to NADA retail value for 2014–2021 model vehicles that have been previously titled. Used auto rates apply to new money loans. Refinances of current Signal Financial FCU loans do not qualify for any discounted rates or promotions (new balance must be less than or equal to the NADA Clean Retail Value of the vehicle). Finance amount is determined by your credit score; term dependent on model year of auto. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice. Will not finance vehicles that are being sold “As Is” by the dealership.

7 New motorcycle rates apply to 2021-2022 model year vehicles with fewer than 5,000 miles. Financing available on amounts up to 100% of the purchase price (plus tax, tags, GAP and warranty). Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

8 Used motorcycle rates apply to model years 2014-2022. Older models will be considered on an exception basis and require approval from Consumer Lending. Rates apply to new money loans or refinances of current Signal Financial FCU loans with a minimum of $1,000 increase to outstanding balance (new balance must be less than or equal to the NADA Clean Retail Value of the motorcycle). Financing available on amounts up to 100% of NADA retail value (plus tax, tags, GAP and warranty). Available on 2014–2022 models that have been previously titled. Finance amount is determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

*GAP disclosures

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, 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.

*Mechanical Breakdown Protection.

Mechanical Breakdown Protection (MBP) is subject to limitations and exclusions. To find out whether or not MBP is right for you, please contact Signal Financial Federal Credit Union at 301-933-9100 or visit signalfinancialfcu.org.

The Capitol Hill branch and ATM is temporarily closed.

President's Day

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

Digital Member Support will close at 4 PM on Friday, September 30th. Online banking and ATMs are available 24/7. Our apologies for any inconvenience. 

Closure Notice

Due to inclement weather all Signal Financial branches are closed today. ATMs, mobile and online banking services are fully operational 24 hours a day and 7 days a week.

Digital Member support will close at 12 PM on Saturday, October 1st. Online banking and ATMs are available 24/7. Our apologies for any inconvenience.

Labor Day Closure

All branches and the call center will be closed on Monday, September 5, 2022 in observance of Labor Day.

Independence Day Closure

All branches and the call center will be closed on Monday, July 4, 2022 in observance of Independence Day.

Juneteenth Closure

All branches and the call center will be closed on Monday, June 20 in observance of Juneteenth.

Memorial Day Closure

All branches and the call center will be closed on Monday, May 30, 2022 in observance of Memorial Day.

Presidents’ Day Closure

All branches and the call center will be closed on Monday, February 21, 2022 in observance of Presidents’ Day.

New Years Day Closure

All branches and the call center will be closed on Friday, December 31 and Saturday, January 1 in observance of New Year's Day.

The Capitol Hill, City Center and Leisure World branches will be closed on Thursday, December 30th, 2021. We apologize for any inconvenience. Have a safe Holiday!

Christmas Holiday Closures

All branches and the call center will be closed on Tuesday, October 4, 2022 and Tuesday, October 4, 2022 in observance of the Christmas holiday.

Thanksgiving Holiday Closures

All branches and the call center will be closed on Thursday, November 24, 2022 and Friday, November 25, 2022 in observance of the Thanksgiving holiday.

Veterans Day Holiday Closure

All branches and the call center will be closed on Friday, November 11, 2022 in observance of the Veterans Day holiday.