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Auto Loans

The best feature of any car is payments that fit into your budget. And knowing those payments the same day you apply? Even better! Start shopping with confidence, whether in person or online, when you get free, same-day auto loan preapproval.

Shop Smart and Drive Confidently With a Summit Auto Loan

With same-day preapproval, you’ll know what you can afford ahead of time, so you can make a solid purchase! Not to mention:

  • Choose from a variety of loan terms to find a payment you’re comfortable with.
  • Get the answers you need and start shopping right now. Find deals on new and used cars, read reviews, get rebates and more with AutoSMART resources.

Plus, save even more to put toward other “to do’s” when you pair these features with your Summit auto loan:

  • Save on auto insurance through our partnership with TruStage.
  • Get a 0.25% rate discount with auto payments from your Summit Checking Account.
  • Refinance for a new rate and lower payment, even if your auto loan is from another lender!

Family with dog in a new car

New Car Loans

Got your eye on a shiny, new car, truck or motorcycle? Enjoy your new vehicle a little extra with payments and terms kept on the easy side. A quick, free preapproval won’t just help you stay within your budget. The right terms could also save you money in the long-term! Get started online in just minutes with our fast and simple application process.


Apply Now  Meet With Us

New Auto & Motorcycle Loans — 2022 to 2024

Term (up to) Annual Percentage Rate Estimated Monthly Payment*
24 Months 6.29% $44.45
36 Months 6.29% $30.55
48 Months 6.44% $23.69
60 Months 6.70% $19.66
72 Months 7.20% $17.15
84 Months* 7.95% $15.56

Man and woman getting luggage out of the truck

Used Car Loans

Shopping for a reliable, used vehicle with the right financing can be a great way to save money and get the ride you want! Get a free preapproval in minutes to know your budget and monthly payment ahead of time. Then, hit the lot (or the web!) with total confidence as you shop for your new car, truck or motorcycle.


Apply Now  Meet With Us

Used Auto & Motorcycle Loans

Filter by model year
Term (up to) Annual Percentage Rate Estimated Monthly Payment*
24 Months 6.39% $44.50
36 Months 6.39% $30.60
48 Months 6.64% $23.78
60 Months 7.10% $19.85
72 Months 8.10% $17.04
24 Months 8.44% $45.43
36 months 8.60% $31.61
48 Months 8.75% $24.77
60 Months 9.25% $20.88

Love Your Car but Not Your Payment? Refinance and Save!

You’ve put in work to pay down your loan. Now, reward yourself with a lower monthly payment and more breathing room in your budget when you refinance your auto or recreational vehicle loan. We can even help if your loan is from another lender.

Calculate Your Payment  Apply Now

Applying for Your Auto Loan Is Just the Beginning

Whatever goal you’re trying to achieve, from purchasing a new car to securing a comfortable payment, our team will connect you with the tools that will work best for your lifestyle – and even help make plans for what’s next. 

See What Else Your Auto Loan Can Do

Auto Insurance
Get Peace of Mind in Your New Ride

We’ve joined up with TruStage Auto Insurance to give Summit members expert coverage, 24/7 support and discounted rates!

Recreational Vehicle Loan
Hit the Road (Or Water!) With No Stress

Enjoy that new boat or RV to the fullest with a Recreational Vehicle Loan and terms that increase your savings.

GO Bundle
Build Good Financial Habits That Pay Off

Our GO Bundle helps you learn to manage your money while building toward your goals. Combine a Student Rewards Card, exclusive auto loan savings and more to get started.