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CRUISE-ZEN

90 days. No Auto Payments.* No Stress.

Start with a stress-free purchase to turn your new car into your happy place. Get a low rate - as low as 5.24% APR1, a free approval in as little as 10 minutes and a 90-day no payment option.

Get Preapproved         Apply Now

Put yourself in the driver's seat. Even before you get the car.

One of the best car features? Payments that fit your budget so the ride feels smooooth. And knowing those payments ahead makes you a confident buyer at the lot – so that goes smoothly too! That’s why we do free, same-day auto loan preapproval. No surprises, no looking back. (That rearview mirror’s still a cool place to hang stuff.)

     
  1. NEW AND USED AUTO LOANS

    Never underestimate the power of financing to help keep your car payments on the easy side - and save you money in the long run. We can approve your new or used car, truck or motorcycle loan online in minutes.

  2. FREE, FAST PREAPPROVAL

    Preapproval is quick, easy, and free. Hit the car lot ready to buy and prepared to save with a great rate.

  3. Free, auto buying resources

    Save time and money by getting a jump on your next vehicle purchase with tools, like our car buying budget worksheet. Take advantage of all of the valuable resources offered exclusively for Summit members, and find the right car at the right price.

    Get started

  4. EXCLUSIVE MEMBER AUTO SAVINGS

    Get a 0.25% rate discount with automatic payments and a Summit checking account and optional auto insurance discounts through TruStage Insurance – all because you're a Summit member!



Refinance Your Current Auto Loan and Save

Want to know how much you can save on your current loan by refinancing with Summit? We have lots of options for you to refinance your recreational vehicle loan from another lender and save!

Calculate your payment

apply
FEATURED AUTO RATES
Apply
AS LOW AS 5.24% APR
Up To 36 Months

NEW AUTO LOAN RATES

Auto & Motorcycle Loans — 2020 to 2022
Rates Effective August 18, 2022

Enter your loan amount to calculate

your estimated monthly payment below

Term (up to) APR (as low as) Monthly Payment
24 Months 5.24% $44.07
36 Months 5.24% $30.14
48 Months 5.49% $23.31
60 Months 5.55% $19.18
72 Months 5.70% $16.47
84 Months* 6.65% $14.97

used AUTO LOAN RATES

Auto & Motorcycle Loans — 2010 to 2019
Rates Effective August 18, 2022

Enter your loan amount to calculate

your estimated monthly payment below

Term (up to) APR (as low as) Monthly Payment
24 Months 5.49% $44.19
36 Months 5.49% $30.26
48 Months 5.74% $23.43
60 Months 6.10% $19.44
72 Months 6.99% $17.10
Auto & Motorcycle Loans — 2009 and Older
Rates Effective August 18, 2022

Enter your loan amount to calculate

your estimated monthly payment below

Term (up to) APR (as low as) Monthly Payment
24 Months 10.05% $46.35
36 months 10.05% $32.42
48 Months 10.05% $25.49
60 Months 10.05% $21.61
 
Tools & Resources
Calculators
Worksheets
Checklists
FAQs

CALCULATE A VEHICLE PAYMENT

Find out how much you can afford to borrow based on your monthly payment, or find out your loan payment based on your purchase price.
 

COMPARE TWO VEHICLE LOANS

Compare two loans and decide what is right for you.
 

LOW RATE OR CASH BACK?

Should you go for a lower rate? Or take the cash back to add to your down payment?
 

PURCHASE OR LEASE A VEHICLE

Should you lease your next automobile or finance it? Crunch the numbers and see what will work best.
 

COMPARE MONTHLY PAYMENT BY TERM

See how you can lower your auto loan payment
 

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