Woman smiling, holding car keys outside of her car window on illustrated background

Lets Ride

Ready for that new or used vehicle, RV, motorcycle or boat? Let’s partner together and make it happen.

(Or, refinance your existing loan from another lender to us for a lower rate.)

If You Can Drive It
We Can Give You A Loan For It

ATV on illustrated background

Sport Vehicle Loans

  • Rates as low as 8.74% APR1
  • Up to 90% of NADA retail value
  • Includes personal watercraft, ATVs, UTVs, snowmobiles, and utility/horse trailers.

Auto Loans

  • Loans for cars, trucks, vans and SUVs
  • Competitive fixed rates as low as 7.24% APR1
  • Up to 130% financing for qualified members
  • Flexible repayment terms up to 84 months
Silver pickup truck parked on illustrated grass
Young woman smiling in front of illustrated field

First Time Auto Buyer

Program requirements:
  • Minimum 6 months job time
  • $1,500 minimum monthly gross income
  • Must be an established SFCU member
  • No derogatory credit history (no credit score)
  • Maximum loan amount $20,000
  • Vehicle must be under 10 years old and have less than 100,000 miles 
  • Up to 100% Loan to value

Try Our New Loan Calculator!

Use Sno Falls interactive loan calculator to determine monthly payments on a loan. To see estimated monthly payments and total interest, just enter the loan amount, loan term and interest rate in corresponding fields.2

RV Loans

  • Rates as low as [[1]] APR1
  • Up to 90% of NADA retail value
  • Up to 240 month term available on 2021 or newer ($50,000 minimum)

Gray RV parked on an illustrated, sunny hill
Classic motorcycle parked on a grassy hill

Motorcycle Loans

  • Rates as low as 8.74% APR1
  • Up to 100% of NADA retail value
  • Up to 72-month terms available
  • Street-legal bikes only

Boat Loans

  • Rates as low as [[1]] APR1
  • Up to 100% of NADA retail value
  • Up to 240-month term available on 2021 or newer ($50,000 minimum)
  • Longer terms available based on credit and loan-to-value ratio
Speedboat with canopy floating in water

Meet or Beat Your Rate

We’ll meet or beat your current rate on Auto, RV, Boat, Motorcycle and Sport Vehicle Loans by 2% APR1 below the current rate, to as low as 7.24%.

• Why refinance with Sno Falls?
 ✅ 100% online loan application and approval
 ✅ Lower, more affordable payments
 ✅ Automatic payment options and online banking

Sno Falls and TrueCar logo above a windy, country road

As Hassle-Free As It Gets

  • Get a loan pre-approval from us
  • Sign into TrueCar and find your car
  • You’ll be matched to a car dealership who, through our partnership, will give you a price less than sticker price – often up to several thousand dollars less
  • You’ll get a certificate to take to the dealership to pick up your car