Consumer Loans

Money When You Need it.

Our basic consumer loans come in all shapes and sizes. They require some sort of collateral for security. For instance, when you finance your new car, the title serves as collateral for the loan using the value of the vehicle as security.

  • Car or Truck: 2.99% APR* fixed

 CALCULATE my PAYMENT   Learn More   Apply Now

  • Boat or RV: 3.99% APR* fixed

CALCULATE MY PAYMENT    LEARN MORE   APPLY NOW

  •  Snowmobile or ATV: 5.74% APR* fixed

 CALCULATE my PAYMENT   LEARN MORE   APPLY NOW 


Here's a list of our secured consumer loans:

  • New and used vehicles
  • New and used boats (whee!)
  • New and used recreational vehicles like pickup campers, tent trailers, fifth wheel trailers, conversion vans and motorhomes
  • New and used motorcycles (we care about your noggin so don't forget your helmet!), jet skis, and all-terrain vehicles
  • New and used manufactured homes

NADA quotes are helpful when making your purchase decisions, so call us at (509) 328-2900 or (800) 541-4310 and we can help you with that.

And don't forget you can save 1/4% on your loan rate by paying automatically! In fact, that's just the beginning. You can save an additional 1/4% off of your loan rate based on services used with us! Have you been a member longer than 5 years? Are you able to apply online? Do you have an active VISA credit card or checking account with SFCU? What about another loan with a balance over $5,000? Do you get your statements through eStatements? If you can say yes to any of those questions, then you qualify for that additional 1/4% off!

Apply Now        Learn More

*Annual Percentage Rate, may vary based on approved credit, rate includes 1/4% off for automatic payment and 1/4% off for additional services, fixed rates range from 2.99% APR to 18% APR. Other rates and terms are available.

The Lot - SpoFed's Car Buying Resource Center

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