Auto Loans

When you need to borrow for a new or used car, or you want to save money by refinancing your current auto loan, come to the experts to arrange your financing. At St. Louis Community, auto loans are at the core of what we do, and we do them extremely well.

Competitive rates
Flexible terms
Convenient, quick application process
No prepayment penalties
Excellent service
Save money when you refinance to a lower rate
We also offer 100 percent financing to qualified borrowers, including purchase price, sales tax, extended warranties, credit life and disability insurance, and GAP insurance.

Even if an auto dealer offers you a special low rate, you can often save money over the life of your loan by financing with us. That’s because the lower rate comes with a higher sticker price. Instead, negotiate a better price, choose a rebate when available, and let us handle the financing.

Click here to apply for a car loan now!

 

Enterprise Car Sales

You can also open and close your auto loan at all St. Louis-area Enterprise Car Sales locations.

In person or on the Enterprise Web site, you’ll find a variety of makes and models at special prices exclusively for Credit Union members. Unlike most auto dealerships, Enterprise cars have a seven-day buy-back policy to make sure you’re completely satisfied. Plus, all cars come with a 12-month, 12,000-mile warranty and carry Enterprise’s “Seal of Approval.”

When you’ve selected a vehicle, Enterprise will set you up with St. Louis Community financing just as if you’ve come into any of our branch offices. You’ll enjoy the same competitive rates and flexible terms, with no hidden fees or penalties.

 

Dealer Direct Financing

Another way to save time when car buying is with Dealer Direct Financing. Simply shop for your car, make your choice and arrange for St. Louis Community financing right in the dealer’s showroom. There’s no trip to the Credit Union, yet you’ll still enjoy the same loan rate and terms you’d get by coming into any of our branch offices.

There are more than 250 participating dealers in the St. Louis area, and most are able to process your loan right on the spot. Plus, there are no fees or charges for this convenient service.

Click here to visit our Dealer Direct site. Then when you get ready to finance, tell your dealer you’re a St. Louis Community member and want Credit Union financing.

 

Sure Rides

As part of our overall giveback to the community, St. Louis Community is proud to offer the Sure Rides® Auto Loan program. Introduced in spring 2014, Sure Rides was designed to help qualified, low-income, credit-challenged clients of workforce development agencies get to work by giving them access to affordable car loans.

We make it our business every day to provide affordable car loans to qualified hardworking people who might not otherwise have access to reliable transportation. What sets Sure Rides apart is our commitment to extending our hand into the community to people directly engaged in career development through workforce development agencies and other partners.

Oftentimes, people may have the capacity and skill to work, but they cannot get to a job regularly because they don’t own a car. Additionally, long-term unemployment and diminished personal credit can prevent many people from obtaining car loans. This creates a losing situation for both employees and employers, thus dragging down our regional economy. That’s why we work with our workforce development partner groups to help bridge this gap.

If you obtained your job through one of the following partners and qualify for St. Louis Community membership, you’re eligible to apply for a Sure Rides Auto Loan.

  • SLATE
  • Family and Workforce Centers for America (FWCA)
  • Employment Connection
  • Urban League Employment Services
  • Job Corps (program graduates only)
  • Beyond Housing child/adult care facility partners:
    • Alexus Palace Child Development Center
    • ABC Infant Child Care Center
    • Babbs Child Care, LLC
    • Bethesda Temple Child Development Center
    • Brighter Daycare & Preschool Inc.
    • City Sprout Day Care
    • Destiny House Child Care
    • Dean’s List
    • Educare Early Childhood Center
    • Every Child Hope Child Care Center
    • Guiding Light Child Care
    • Kia’s Center of Learning, LLC
    • Korner Stone Kids Preschool
    • Parent University

In addition, we may be able to help you with other loan opportunities.

Interested in and eligible for a Sure Rides Auto Loan? Visit one of our social service agency branches (Downtown/Kingdom House, Water Tower/Grace Hill or Wellston/MET Center) for further assistance, or call the Sure Rides hotline at 314-256-3999.

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.