Vehicle Loans

Protect your wallet with GAP & MBP

Auto Loan Special

Looking for new wheels to get you back to school? We’ll help you get on the road with our Auto Loan Special:

  • No payments for 90 days*
  • Get .25% interest rate discount off your qualifying rate with automatic payments*

Apply today!

*APR = Annual Percentage Rate. Offer valid through Oct. 18, 2019. The no payment for 90-day special applies to new direct auto loans and refinancing from other financial institutions only. Interest accrues from date of loan disbursement. Automatic payment rate discount will be taken from the rate you currently qualify to receive from SFCU and is based on an auto payment being set up for the amount of the loan payment, or more. The automatic payment must come from a SFCU account. Other conditions, restrictions and credit approval apply. Programs, rates, terms and conditions are subject to change without notice. Offer does not apply to refinancing existing SFCU loans. 

Whether you are searching for that perfect ride or looking to refinance your current loan, Sentinel Federal Credit Union can help. Apply now or contact us anytime.

We offer:

  • Competitive rates and flexible terms
  • Fast, easy loan process
  • Pre-approval process before you visit the dealerships
  • Financing available at local dealerships
  • No penalty for early payoff
  • Automatic Payment Transfer and Direct Deposit
  • Convenient banking using our Mobile App, Mobile Banking, Online Banking and Phone Banking
  • Mechanical Breakdown Protection which provides protection against mechanical breakdowns beyond your existing manufacturer’s warranty. Click for an instant quote.
  • Guaranteed Asset Protection (GAP) which covers the deficiency balance on your loan in the event of a total loss. Click for an instant quote.
  • Auto Deductible Reimbursement which pays up to $500 per loss when a claim is filed and paid with your primary insurance carrier
  • Credit Life and Disability Insurance which may help pay your loan, so your loved ones don’t have to

Apply now

Proof of Insurance Notice

If you received a notice in the mail requesting that you provide evidence of current insurance (as required by your loan agreement) please visit to submit your insurance information electronically to us.

Loan Rates - Effective Tuesday, October 15, 2019
Loan TypeRates as low asTerms/Information

*Annual Percentage Rate (APR) may change without notice. Your rate can vary based on creditworthiness, age and type of vehicle and terms of the loan.

**Some terms subject to a minimum amount financed.

Loan payment example: At 4.5% the annual percentage rate (APR) for a 60 month term with 0% down and 30 days to 1st payment, monthly payments are calculated at $18.66 per $1,000 borrowed.

Not all borrowers qualify for lowest APR or 0% down. To find out if you qualify, please call Sentinel Federal Credit Union at 605-923-1405 or ask your Black Hills area auto dealers.