Skip to main content

P.O. Box 51770 | Bowling Green, KY 42102-6770 | (800) 759-8500 | ABA Routing Number: 283978357

Loan Services

Take advantage of low auto loan rates with up to 90 days no payment! Apply online now. Count on Service One to help you navigate through life’s financial challenges.

Graduate Auto Loan Program

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 a must, 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 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 – paystub from the employer
  • Maximum loan amount $20,000

 Apply Now

Get Your Auto Loan Pre-Approved

Take some of the stress out of the car buying process – stop by Service One before you head to the dealership. 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!

Sign Documents with e-Signature

Service One offers the ability to safely sign loan documents and forms electronically. This is an excellent time-saver for those unable to visit a Service One location easily, or perhaps for those with very busy schedules. Ask a Service One associate today about our free e-Signature feature.

Just one more way that Service One is working hard to be Where You Belong.

Auto Refinance Loans

Have an auto loan at another financial institution? Let Service One refinance your auto loan for less than you are currently paying.

Auto Refinance Calculator

Auto Loans

Make Service One your first stop before buying a car. 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.

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



Savings Secured & Certificate Secured Loans

Pledge the funds in your savings or certificate as collateral for a low-rate loan.

Personal Unsecured Loans

Borrow funds with a signature note for short term financing.

Home Improvement Loans

Use these funds to remodel or redecorate your home.

Ready Reserve Personal Line of Credit

Need a little extra cushion when money problems occur? Withdraw cash from this line of credit when you need it.

One Stop Auto Indirect Lending

Visit participating dealers to test drive and purchase a vehicle in one stop. SOCU will do the financing – just tell the dealer to send us your application.

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 “Get a Quote” button below.


VISA® Platinum Rewards Card

Enjoy no annual fee and CU Rewards! Personalize your card with the Design Your Own Card (DYOC) program. Receive mobile alerts when your card is used.