Solidarity's Advantage Checking
Buying Your First Car?
- Terms up to 84-months on most car, truck, van and SUV loans
- Payment protection on your vehicle loan
- Fast approval process
- Variety of options for pre-approval
- Pre-approval valid for up to 30 days
- Refinancing available for current auto loans
- Mention you are a Solidarity member at the dealership. They'll do the rest.
Stop by either location, or call us at (765) 453-4020 ext. 1304.
Direct Lending from the Auto Dealerships
In a nutshell, it’s a way for members to get “on the spot” credit union financing at participating dealerships. Walk right into your local dealership and pick out your favorite car. Then, to get Solidarity financing, just mention that you’re a Solidarity member at just about any local dealership. They’ll take care of the rest.
| Â Rates are all quoted "as low as" | APR* | Term |
|---|---|---|
| Auto Loans - (2023 & Newer)        | ||
| 2023Â and Newer Cars, Trucks, Vans & SUV's | 4.99% | Â 60 |
| Â ($15,000 or more financed ) | Â 5.29% | Â 72 |
| Â ($25,000 or more financed ) | Â 6.09% | Â 84 |
| Auto Loans - (2021 - 2022) | ||
| 2021 and 2022 Cars, Trucks, Vans & SUV's  | 5.29% | 60 |
| Â ($15,000 or more financed) | 5.69% | 72 |
| Â ($25,000 or more financed) | 6.49% | 84 |
| Auto Loans - (2018 - 2020) | ||
| 2018-2020Â Cars, Trucks, Vans & SUV's | 5.69% | 60 |
| Â ($15,000 or more financed) | 6.09% | 72 |
| Â ($25,000 or more financed) | 6.89% | 84 |
| Auto Loans - (2017 and older) | ||
| 2017Â and Older Cars, Trucks, Vans & SUV's ($4,500 or more financed) | 7.69% | 60 |
| Motorcycle Loans -Â (2023 & Newer)Â Â Â Â Â Â Â Â Â | ||
| 2023Â & Newer Motorcycles ($4,500 or more financed)Â | 6.49% | 60 |
| Â ($15,000 or more financed) | 6.79% | 72 |
| Â ($25,000 or more financed) | 7.59% | 84 |
| Motorcycle Loans - (2021 - 2022) | ||
| 2021 and 2022 Motorcycles | 6.79% | 60 |
| Â ($15,000 or more financed) | 7.19% | 72 |
| Â ($25,000 or more financed) | 7.99% | 84 |
| Motorcycle Loans - (2018 - 2020) | ||
| 2018Â - 2020Â Motorcycles | 7.19% | 60 |
| ($15,000 or more financed) | 7.59% | 72 |
| ($25,000 or more financed) | 8.39% | 84 |
| 2017 and older Motorcycles | 9.19% | 60 |
¹ APR = Annual Percentage Rate. Lowest advertised rate of 4.99% APR is for 2023 or-newer vehicles, 60-month term, and borrowers with a FICO® score of 725 or higher. Your rate and term will be determined by creditworthiness, model year, loan-to-value, and length of repayment. Not all borrowers will qualify for the lowest rate. Membership eligibility and credit approval required. Rates, terms, and conditions are subject to change without notice. Federally insured by NCUA.
Why Choose Solidarity for Your Auto Loan?
🔹 Competitive Auto Loan Rates
At Solidarity, we offer auto loan rates designed to save you money over the life of your loan. Whether you’re buying new or used, our competitive rates help make your dream car more affordable—without sacrificing quality service or flexibility.
🔹 Easy & Flexible Auto Loan Financing
Our auto loan financing process is built to fit your lifestyle. With fast approvals, local decision-making, and flexible repayment terms, we make it easy to get behind the wheel. Whether you’re shopping at a dealership or buying from a private seller, we’ve got you covered.
🔹 Fast & Free Pre-Approval
Get ahead in your car-buying journey with a quick, hassle-free pre-approval. Knowing your budget in advance gives you the confidence to shop smart and negotiate better. Plus, getting pre-approved with Solidarity won’t have lasting negative impacts on your credit score.
What to Expect: The Auto Loan Process
At Solidarity Community Federal Credit Union, we make the auto loan process straightforward and stress-free. Here’s what you can expect from start to finish:
Step 1: Get Pre-Approved
Start by applying for a pre-approval online or in person. This gives you a clear idea of how much you can afford—and strengthens your negotiating power at the dealership.
Step 2: Shop With Confidence
Once you’re pre-approved, you’ll receive a loan offer with your approved amount and rate. Use this to confidently shop for a new or used vehicle, whether it’s from a dealer or a private seller.
Step 3: Finalize Your Loan
After you’ve selected your vehicle, provide us with the purchase details. We’ll finalize the loan, confirm all the paperwork, and walk you through your repayment plan.
Step 4: Drive Away Happy
Once everything’s in place, we’ll send the funds to the seller—and you drive away in your new ride, knowing you got great terms and personalized service from a credit union that puts members first.
Step 5: Manage Your Loan Easily
With online account access, flexible payment options, and local support just a call away, managing your loan with Solidarity is just as easy as getting it.
FAQs
What documents do I need to apply?
Typically, you’ll need proof of identity, proof of income, and information about the vehicle you want to purchase.
Can I get a loan for a used car?
Absolutely! We finance both new and used vehicles purchased from dealerships or private sellers.
How long does it take to get approved?
Most approvals happen within one business day—often much faster if you apply during business hours.
Do I need a down payment?
Not always. A down payment can help lower your monthly payments, but many members qualify with little or no money down.
Can I make extra payments on my loan?
Yes! You can make extra payments anytime without penalty. It’s a great way to pay off your loan faster and save on interest.
Why should I get my auto loan through a credit union?
As a credit union, we offer lower rates, local service, and a people-first approach you won’t find at big banks or dealerships.
