Vehicle Loan

SONEPCO has loans for either new or used vehicles with competitive rates and terms. Loans are for vehicles 15 years or newer with terms up to 84 months on qualifying vehicles. Loans will be made for up to 110% MSRP (New autos) or Retail Kelly Blue Book (Used autos). You can get a SONEPCO auto loan at the time of purchase with dealerships participating in CUDL (Credit Union Direct Lending). The dollar amount of the loan approved is based on the member’s overall credit picture, job stability and the value of the vehicle being purchased.

Product Features:

Financing available for new or used vehicles.
Private party purchase also available.
Terms up to 84 months on qualifying vehicles.
No pre-payment penalty for paying loan off early.
Loan can be customized around desired payment amount.
Rates are competitive.
Loans can be made at the dealership through CUDL.
Loan applications can be made via the web.
Helpful staff can take your loan application during normal business hours.
Payroll deduction or automatic payment can be set up for you.

Product Benefits:

Convenient – Loans can be made over the web, by phone, in person at any SONEPCO branch or at the dealership.
Efficient – Once you have applied for and been approved for a SONEPCO loan future loans are fast and easy – you won’t even need to come in to a branch!
Economical – SONEPCO loan rates are competitive and you are never charged an application fee.

Helpful Links:

	SONEPCO now has a ONE STOP CREDIT UNION FINANCING---RIGHT AT THE DEALERSHIP! Credit Union Direct Lending (CUDL) is an automated financing approval system that helps you take advantage of your Credit Union's competitive rates while you are at the dealership. That's right, you can finance your new or used vehicle at the dealership - from start to finish, without even visiting your Credit Union. Just look for the CUDL logo at your local dealership.
	You choose the car you want and then call Members Auto Brokerage Service Inc., and they'll do the rest.
	Liberty Mutual provides auto and home insurance at a discount to members of SONEPCO Federal Credit Union. Use this link to get a price quote.
	Do you need the help of AAA insurance?? We have a code for our members to use in order to receive a discount. We have the applications at the CU or use Code 804B when speaking to a AAA representative!
	. At Enterprise they have two guarantees: A guaranteed price that is fair, competitive and clearly marked on every vehicle and a 7 day/1,000 mile return policy. Return the car for any reason if it doesn't meet your needs, no questions asked! Find your used cars online now!