Auto & Motorcycle Loans

Own the road to savings when you finance a new or pre-owned vehicle with State CS. We offer competitive, low rates and flexible terms up to 84 months. If you already have a vehicle or motorcycle loan with another lender, we may be able to refinance the loan to give you a lower rate and lower monthly payments!

Make sure to get pre-approved with State CS for your auto or motorcycle loan before you visit the dealer. You can shop in confidence knowing your approved loan amount and estimate monthly payment.

We also offer competitively-priced GAP Coverage and Mechanical Repair Coverage to protect your car and your wallet. GAP helps pay off your auto loan if your car is totaled or stolen and you owe more than the car’s depreciated value. The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs.

First-Time Car Buyer Loan

We understand that finding financing for your first loan can be difficult; and many dealers that offer captive financing may attempt to get you into a car with a loan at an exorbitant rate. This is why we developed our special First-Time Car Buyer program. Ask us for details.

Drive4Less Loan

Imagine driving a new or used vehicle with lower monthly payments than traditional financing, all while having flexible options at the end of your term. With the Drive4Less program, you can plan your future with confidence, knowing your vehicle’s future value is protected and you’ll have choices: keep it, trade it or walk away. It’s smart, simple and designed to fit your life.

Auto & Motorcycle Loan Rates

*Subject to loan approval. Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Rates vary by credit, collateral and term of loan.