We have received reports of a scam call to members offering a $100 Gift Card for information on their account; this is not from our Associates. Please call us at 270-796-8500 to report a call. Remember: Do not give out personal information, bank logins, or SSNs when someone calls or messages you. Legitimate businesses will never contact you requesting this information.

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Vehicle Loans

 Easy to Apply

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

Woman searching for a car on a tablet

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 or at a Service One branch. Give us a quick call if you have questions:  270-796-8500 or send us an email.


Shop for a Car Refinance Calculator


 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.  Often times you can also negotiate a better sales price! 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!

Mechanical Repair Protection

As vehicles get older and miles add up, the likelihood of repairs increases. Mechanical Repair Protection can help you limit out-of-pocket, costs for covered breakdowns.

Mechanical Repair Protection can help limit the cost of repairs. You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Protection (MRP) can help you limit the cost of any protected breakdowns. You pay only the applicable deductible if any. MRP can help lighten the financial burden for you and the people you care about. Get MRP today so you can worry a little less about tomorrow.

To research, compare, and buy Mechanical Repair Protection, visit Forever Car for a quote or call 866-515-7113, where you can take advantage of:

• Convenience - easy-to-use, 24/7 online shopping experience

• Customer service - expert service through a dedicated call center

• Monthly payments - through a convenient monthly payment plan that fits your budget

Mechanical Repair Protection is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where protection is offered as payment protection by Virginia Surety Company, Inc., in WA, where protection is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where protection is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 800.752.6265. This protection is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Protection is offered as protection (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Protection varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Protection Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-2341946.2-1020-1122 © CUNA Mutual Group 2020


 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
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