Vehicle 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
  • Guaranteed Asset Protection (GAP) which covers the deficiency balance on your loan in the event of a total loss
  • 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 MyLoanInsurance.com to submit your insurance information electronically to us.

New Auto Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
YEARS: 2016 & NEWER
24 Months2.25%2.60%4.40%7.15%11.15%18.00%
36 Months2.50%2.85%4.65%7.30%11.30%18.00%
48 Months2.70%3.05%4.85%7.35%11.35%18.00%
60 Months2.75%3.10%4.95%7.45%11.45%18.00%
72 Months $20,000**3.15%3.50%5.30%8.00%12.00%N/A
84 Months $25,000**5.00%5.35%7.15%N/AN/AN/A

Used Auto Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
YEARS: 2011-2015
24 Months2.80%3.20%5.00%8.00%18.00%18.00%
36 Months2.85%3.25%5.05%8.05%18.00%18.00%
48 Months2.90%3.30%5.10%8.10%18.00%18.00%
60 Months2.95%3.35%5.15%8.15%18.00%18.00%
72 Months (2015 only)3.40%3.80%5.60%8.60%18.00%N/A
YEARS: 2008-2010
36 Months4.10%4.25%6.00%9.25%18.00%18.00%
48 Months $10,000**5.10%5.25%7.00%10.25%18.00%18.00%
YEARS: 2007 & OLDER
36 Months6.99%7.24%8.24%11.24%18.00%18.00%

Classic Car Loan Rates

Completely restored and registered at the Court House as antique.
 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
48 Months6.99%7.24%8.24%11.24%18.00%N/A

*Rates effective as of March 1, 2018. 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.