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.
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.)
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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.
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FREE, FAST PREAPPROVAL
Preapproval is quick, easy, and free. Hit the car lot ready to buy and prepared to save with a great rate.
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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.
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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!
applyNEW AUTO LOAN RATES
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 |
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| 36 Months | 5.24% | $30.14 |
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| 48 Months | 5.49% | $23.31 |
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| 60 Months | 5.55% | $19.18 |
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| 72 Months | 5.70% | $16.47 |
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| 84 Months* | 6.65% | $14.97 |
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used AUTO LOAN RATES
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 |
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| 36 Months | 5.49% | $30.26 |
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| 48 Months | 5.74% | $23.43 |
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| 60 Months | 6.10% | $19.44 |
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| 72 Months | 6.99% | $17.10 |
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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 |
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| 36 months | 10.05% | $32.42 |
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| 48 Months | 10.05% | $25.49 |
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| 60 Months | 10.05% | $21.61 |
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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 loans and decide what is right for you.
Should you go for a lower rate? Or take the cash back to add to your down payment?
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
Let’s face it: Cars are fun, but they can also be expensive. You want the best deal possible on the vehicle and your financing, but maybe you’re not sure where to start.
Summit is here to help with four questions that will put you on the right path to smart vehicle choices.
Is now the right time to add another car at your house? Here are some things to think about as you navigate that decision and help your teen manage the responsibilities that go with it.
Step 1. Weigh the pros and cons of buying another car.
Rate Alert Sign-up
Watching rates? Save yourself some time by subscribing to Summit’s rate alerts. Simply submit your email address below and we’ll send you a message when this rate has changed. Easy!