Vehicle Loans

Service First is one of the best places for your vehicle loan in Sioux Falls! We are one of the only financial institutions that does not charge an origination fee on vehicle loans. This saves you money right from the start. In addition, our low interest rates save you even more over the life of your loan.

Auto Loan Rates

New Vehicles (2013 & Newer) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
84 months (2017 & Newer) 4.25% 4.75% 6.25% 10.40% 14.65%
78 months (2017 & Newer) 4.15% 4.65% 6.15% 10.15% 14.40%
72 months 4.05% 4.55% 6.05% 10.05% 14.15%
66 months 3.95% 4.35% 5.89% 9.90% 13.90%
60 months 3.74% 4.11% 5.69% 9.65% 13.65%
48 months 3.65% 3.87% 5.49% 8.90% 12.40%
6-36 months 3.40% 3.63% 5.29% 8.65% 12.15%
Used Vehicles (2012 & Older) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
72 months (2010-2012 only) 6.39% 6.89% 8.39% 12.39% 16.49%
66 months (2010-2012 only) 6.29% 6.69% 8.23% 12.24% 16.24%
60 months (2010-2012 only) 6.08% 6.45% 8.03% 11.99% 15.99%
48 months 5.99% 6.21% 7.83% 11.24% 14.74%
6-36 months 5.74% 5.97% 7.63% 10.99% 14.49%

Recreational Vehicles

Motorcycles, ATVs, Snowmobiles, Boats, and Personal Watercraft

New Recreational (2013 & Newer) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
72 months (2017 & newer) 4.45% 4.95% 6.45% 10.45% 14.55%
66 months (2017 & newer) 4.35% 4.75% 6.29% 10.30% 14.30%
60 months 4.14% 4.51% 6.09% 10.05% 14.05%
48 months 4.05% 4.27% 5.89% 9.30% 12.80%
6-36 months 3.80% 4.03% 5.69% 9.05% 12.55%
Used Recreational (2012 & Older) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
60 months (2010-2012 only) 7.58% 7.95% 9.53% 13.49% 17.49%
48 months 7.49% 7.71% 9.33% 12.74% 16.24%
6-36 months 7.24% 7.47% 9.13% 12.49% 15.99%

Motor Homes, Campers, Travel Trailers, and 5th Wheels

New Motor Homes, Campers, Travel Trailers & 5th Wheels
(2016 & Newer)
Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
96 months 7.30% 7.80% 9.30% 13.75% 18.00%
90 months 7.20% 7.70% 9.20% 13.50% 17.75%
84 months 7.10% 7.60% 9.10% 13.25% 17.50%
78 months 7.00% 7.50% 9.00% 13.00% 17.25%
72 months 6.90% 7.40% 8.90% 12.90% 17.00%
66 months 6.80% 7.20% 8.74% 12.75% 16.75%
60 months 6.59% 6.96% 8.54% 12.50% 16.50%
48 months 6.50% 6.72% 8.34% 11.75% 15.25%
6-36 months 6.00% 6.24% 7.94% 11.25% 14.75%
Used Motor Homes, Campers, Travel Trailers & 5th Wheels
(2015 & Older)
Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
60 months 7.09% 7.46% 9.04% 13.00% 17.00%
48 months 7.00% 7.22% 8.84% 12.25% 15.75%
6-36 months 6.75% 6.98% 8.64% 12.00% 15.50%
Rates effective November 1, 2018 subject to change. Individual rate is determined by credit scores, subject to loan approval.

$10,000 loan at 3.40% APR (annual percentage rate) for a 72 month term with 0% down, monthly payments are $156.60.

Consult with a Service First Loan Representative for details and qualification criteria.  Payment calculation is only an estimate, please speak with a loan officer for exact figures.  Service First Federal Credit Union is an Equal Opportunity Lender.

*The loan calculator is made available to you as a self-help tool for your independent use. We do not guarantee its accuracy or applicability to your circumstances. This tool is not intended to provide investment, legal, tax, or accounting advice. All examples are hypothetical and for illustrative purpose only. You may wish to consult a Service First representative for additional information and advice. All loans would be subject to approval and credit terms may vary.