Service One Credit Union icon Service One Credit Union Go to main content
Member Login
Become a Member Apply for a Loan


 Easy to Apply

No hassle! Make Service One your first stop before buying a car.

Line of cars with teal car in front

An auto loan means more than an engine and four wheels. It’s about taking care of your family by getting them to soccer practice, helping your teenager find some freedom and confidence, and discovering open roads for yourself. We understand the importance of a good vehicle in your life, so we offer great rates,  no down payment (with credit approval), and no prepayment penalties. We can even help you refinance a loan from a different financial institution and it may lower your payments or help pay off your loan faster. If you’re looking for affordable car loans from a place you can trust?—come to us.


We will help get you the best rate with the least amount of hassle. Service One’s Auto Loans have flexible rates and terms.  Applying is easy online, at a Service One branch, or at a participating auto dealership.

Move Your Auto Loan to Service One and Get Up to $500 Cash Back!

>>Apply Here<<

 Auto Refinance Cash Back Details:

      Loan rates as low as 2.59% APR*

      The loan you refinance must be from another lender; current SOCU auto loans are not eligible

      Up to 1% cash back with max payout of $500


Example Cash Back

Loan Amount

Cash Back








No Payment for 90-Days

Defer your loan payment for the first 90 days after the loan closing. Take a payment vacation or get ahead of the monthly payment requirement.



Guaranteed Asset Protection (GAP)

In the event of a car accident, if your vehicle is considered a total loss, this optional coverage will pay the difference between your loan balance and the amount covered by your primary insurance carrier.

Credit Life & Disability Insurance

Credit Life Insurance can help reduce or pay off your loan balance, up to the maximum limit should you or a co-borrower pass away. Credit Disability Insurance can help make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.

Trustage Auto Insurance

If you haven't compared auto insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings. Check out our partnership with Trustage and Liberty Mutual Insurance.

Apply Here

*APR=Annual Percentage Rate. All loans are subject to credit, income, and membership eligibility. Other restrictions and conditions may apply. Visit a SOCU branch or for complete details. Offer is valid for personal vehicle loan refinance applications submitted 04/13/20 - 6/30/2021 and loan amounts $10,000 and greater funded within 30 days of application. Offer may be changed or discontinued at any time without notice. 1.00% cash back is calculated on the funded loan amount with a maximum payout of $500.00. Refinance of an existing SOCU auto loan is not eligible for cash back. Cash back will be deposited to a SOCU account within 7 to 10 business days of final loan agreement. 2.59% APR is available to FICO scores 730+, year model 2018 and newer, LTV up to 100%, and terms up to 66 months. Additional 0.25% discount for auto pay from a SOCU deposit account may be applied but rate cannot be lower than 2.59% APR.


 Get Your Auto Loan Pre-Approved


Take some of the stress out of the car buying processstop by Service One or call before you head to the dealership. Car shopping can be difficult when you’re not sure what you can afford. With our pre-approval process, you can shop smarter, by knowing exactly your price range.  Save time and money by getting pre-approved for an auto loan with no application fee, low rates, no pre-payment penalty – along with no payment due for up to 90 days!

Curious about an auto loan at Service One? Give us a call at 270-796-8500 so we can walk you through the process!

Make A Loan Payment

Make Quick Payments Using Your Cards

Too busy to get this month's Service One payment in the mail? No worries.

Pay a loan or credit card with a debit card.

You can pay securely, anytime, after you create your user account.

Sign on to pay your credit card, vehicle, personal, or line of credit loan when it works for you, and your payment will be credited the next business day. The charge is only $4.95 fee for using your credit or debit card.

Be sure to have your member number and loan number available along with your credit/debit card or checking account information. Your member number and loan number can be found on your Service One statement or by contacting us.


 *Online Payment Convenience Fee of $4.95 applies for payments made by debit card.


 Sign Documents Electronically

Safely sign loan documents and forms electronically.

If your day is too busy to visit a Service One location, or perhaps you are not in town, you can still easily sign your loan documents. Ask a Service One associate today about our free e-Signature feature.

Just one more way that Service One is working hard to be Member Focused, Service Driven.

Graduate Program

 Graduate Auto Loan Program

Gold piggy bank with graduate hat and glasses

Congratulations, grads!  

You’re on your way to new beginnings, and now is a good time to start considering your financial future. Establishing a strong credit history is the beginning, and an auto loan makes a great first step. If you’ve recently graduated, our Graduate Auto Loan Program can help as you enter the next stage of your life.

Program Qualifications and Conditions:

      No previous auto loan history in the credit bureau

      No derogatory credit

      Debt to Income 38% or less

      Provide 5% cash down payment of total purchase price (minus rebates)

      Terms up to 72 months for new vehicles and 66 months for used vehicles

      Used vehicle age not to exceed 7 model years

College Grads

      Must provide a copy of degree or college transcript from a two or four-year accredited college or university

      Must provide proof of income – paystub or commitment letter from the employer

      Maximum loan amount $25,000

High School Grads

      Must be at least 18 years old and provide a copy of high school diploma or transcript

      Must have had a full-time job (32 hours a week or more) for the past 6 months

      Must provide proof of income – pay stub from the employer

      Maximum loan amount $20,000

Loan Protection

Trustage co

 Auto Loan Protection Insurance

GAP (Guaranteed Auto Protection)

Life and Disability Loan Payment Protection

Members Auto and Homeowners Insurance

You trust your credit union to offer products and services to help you do more with what you have. That’s why we’ve joined with a dedicated team of insurance professionals to bring you the TruStage Auto Insurance Program. TruStage insurance products are available exclusively for members through the CUNA Mutual Insurance Agency, Inc.

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven’t compared auto insurance lately, it’s a great time to take a look. Your credit union membership could result in some nice savings.

Get your no-obligation quote today by calling 1-855-483-2149 or by visiting the TruStage online quote generator by clicking the photo above.

Check out other insurance products here!

Go to main navigation