Vehicle Loans

Protect your wallet with GAP & MBP

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 Monday, December 9, 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.