Lower Your Rate by 1.00%!
Ride with a smile when you finance your auto or specialty vehicle loan with State CS. For a limited time, you’ll get 1.00% off your approved rate with a 60+ month term loan when purchasing a vehicle. Or, move an auto or specialty vehicle loan you have from another lender to State CS and we’ll BEAT your current rate by 1.00%.
Not only could you lower your monthly payments and save on interest charges, but you’ll also get a $25 gift card to help fuel up your ride!
Floor rate of 4.24% APR. Valid on auto and specialty vehicle loans. Can’t be combined with other offers or rate discounts. Gas card only if loan $15,000+. Restrictions apply. Offer ends 4/30/26.
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: Credit4Keys
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 the Credit4Keys loan, our special First-Time Auto Buyer program. This loan is designed to help members with limited or no prior borrowing history to purchase their first vehicle.
To qualify, you must be a State CS member in good standing for a minimum of three months, be at least 18 years old, have no prior auto loan on credit history and have verifiable income sufficient to support the loan payments. No minimum credit score is required, though credit will be reviewed and alternative credit references may be considered.
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
| Term | APR* (as low as) |
|---|---|
| up to 36 months | 4.49% |
| up to 48 months | 4.74% |
| up to 60 months | 4.99% |
| up to 72 months | 5.24% |
| up to 84 months | 5.74% |
*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.