Finance or Refinance a Car Today!
Apply today to get a custom rate quote.
Cruise into summer savings.
Get a rate as low as 1.49% APR4 from May 16th through July 4th.
The car of your dreams is a click away.
Apply now for rates as low as 1.74% APR4
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.
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 Premier Auto Connection, 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 Premier Auto Connection
Drive away in the right vehicle at the best price. Use Signal Premier Auto Connection, 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 $3,3831 off MSRP
Here’s how it works:
- Get pre-approved for your low-rate Signal Financial vehicle loan by applying online or in-branch.
- Find your dream car online at the Signal Premier Auto Connection website and receive an exclusive no-cost, no-obligation Price Protection Certificate.
- Go purchase your car by bringing your loan pre-approval and Price Protection Certificate to the dealer for an easy car buying experience!
With Signal Premier Auto Connection, 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
|New Autos5||up to 84 months||as low as 1.74%|
|Used Autos6||up to 84 months||as low as 2.24%|
|New Motorcycles7||up to 72 months||as low as 4.24%|
|Used Motorcycles8||up to 66 months||as low as 4.74%|
Signal offers GAP and MMP as optional benefits:
- GAP Waiver — A GAP waiver allows you to waive the difference between your vehicle’s actual cash value (i.e., the insurance settlement after a total loss) and the outstanding loan balance. Our program usually costs significantly less than dealer-provided GAP. Not only that—our program will provide up to $1,000 toward the purchase of a replacement vehicle if you use Signal to finance it.
- Major Mechanical Protection Program — Enjoy your vehicle worry-free with an extended warranty that protects you from unforeseen vehicle repairs. Our MMP usually costs significantly less than dealer-provided options and includes key fob replacement, minor windshield repair and paintless dent removal, all of which usually cost extra with a dealer.
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 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. 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 Manufacturer’s Suggested Retail Price (“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 not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor its affinity partners 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 starts May 16th, 2022 and ends July 4th, 2022. 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 1.49% 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 2.49% APR. Payment Example: Loan of $25,000 for 48 months at 1.49% 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.