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Funding a brighter future.
New & Used Auto Loans
Buying or refinancing? We've got you covered!
- Competitive low rates
- Flexible payment terms
- Membership discounts
- Get pre-qualified
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The car buying process is stressful, but Sierra Central helped make it feel easy. They led us through the process every step of the way and offered great rates!
Apply Online, through your local branch or instantly at a participating dealership.
Visit our AutoSMART car buying service to find you next car or truck.
*APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. As low as rate based on 80% or better LTV, Titanium tier. Rates are subject to change without notice. LTV = Loan to value. All loans subject to credit approval and some restrictions may apply. Payment example Auto Loan: Estimated APR of 7.24% on a loan amount of $35,000, for 60 months= Payments as low as $700.00 per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.
Boat Loans
Owning a boat can provide you with the opportunity to escape the hustle and bustle of everyday life and enjoy peaceful moments on the water, whether it's for fishing, water sports, or simply relaxing.
- Fixed interest rate and loan payment
- Minimum loan amount: $5,000
- Maximum loan amount: $150,000
- New or Used financing available
- Up to 180-Month term
Loans available online or by visiting your local branch.
Live, Laugh, Explore!
*APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. As low As rate based on Titanium tier $50,000 to $100,000. Rates are subject to change without notice. LTV = Loan to value. All loans subject to credit approval and some restrictions may apply. Payment example for Boat Loan: Estimated APR of 9.49% on a loan amount of $50,000, for 60 months= Payments as low as $1092.00 per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.
Recreational Vehicle Loans
Let us help you hit the open road, in your dream recreational vehicle, with our flexible financing options to make owning an RV easier than ever.
- Fixed interest rate and loan payment
- New or Used
- Purchase or Refinance
- Minimum loan amount: $5,000
- Maximum loan amount: $150,000
- Terms up to 180-Months
Loans available online or by visiting your local branch.
*APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. As low As rate based on Titanium tier $50,000 to $100,000. Rates are subject to change without notice. LTV = Loan to value. All loans subject to credit approval and some restrictions may apply. Payment example for Recreational Vehicle Loan: Estimated APR of 9.49%, on a loan amount of $50,000, for 180 months= Payments as low as $524.00 per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.
Motorcycle & Powersport (Jet-Ski/Snowmobile)
Carving through fresh powder, skimming across the water, or tackling rugged trails, Sierra Central can help you embrace the exhilarating freedom of exploring the great outdoors.
- New or Used
- Purchase or Refinance
- Minimum Loan Amount: $5,000
- Maximum Loan Amount: $35,000
- Terms up to 72-Months
- Fixed interest rate and loan payment
Loans available online or by visiting your local branch.
*APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. As low as rate based on platinum tier and 72 month financing. Rates are subject to change without notice. LTV = Loan to value. All loans subject to credit approval and some restrictions may apply. Payment example Motorcycle Loan: Estimated APR of 10.99% on a loan amount of $25,000, for 72 months= Payments as low as $478.00 per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.
Motorcycle & Powersport (Jet-Ski/Snowmobile)
Carving through fresh powder, skimming across the water, or tackling rugged trails, Sierra Central can help you embrace the exhilarating freedom of exploring the great outdoors.
- New or Used
- Purchase or Refinance
- Minimum Loan Amount: $5,000
- Maximum Loan Amount: $35,000
- Terms up to 72-Months
- Fixed interest rate and loan payment
*APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. As low as rate based on platinum tier and 72 month financing. Rates are subject to change without notice. LTV = Loan to value. All loans subject to credit approval and some restrictions may apply. Payment example Motorcycle Loan: Estimated APR of 10.99% on a loan amount of $25,000, for 72 months= Payments as low as $478.00 per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.
Our CD Secured Loan gives you the ability to borrow against your Sierra Central Share Certificate investment.
Our secured loan is backed by your collateral. By establishing a Share Certificate account, you can borrower against the deposit and benefit.
- No credit qualification (active bankruptcy disqualifies)
- Maximum loan amount of $200,000
- Minimum loan amount of $500
Once approved, get funds in one business day with direct deposit or by check, in around five business days.
Help Build Credit
Help Repair Credit
Borrow up to 95% of a Share Certificate of Deposit balance
Learn more about How to Build Your Credit Sre
Unsecured Signature Loan
Sierra Central can help you finance a home project, consolidate debt, or fund a major milestone.
- An unsecured loan of a fixed amount
- Fixed payments
- Loan amounts from $500 - $25,000
- Terms from 3 to 5 years
*This offer is available to existing Sierra Central Members who can demonstrate being affected by a declared disaster and other restrictions may apply The program may be discontinued at any time without notice. Proof of residence or employment in affected areas is required. The loan proceeds may not be used to pay off existing debt. All loan requests will be reviewed for compliance with regulations and credit union policies. Membership and/or participation fees may apply. Rate, terms and conditions may vary and are subject to change at any time without notice. We reserve the right to correct printing errors.
Line of Credit
A revolving loan that you can use for whatever you like.
- An unsecured personal line of credit
- Use as Overdraft Protection on your Checking account
- Funds may be used over and over as you pay down the balance
- Fixed rate with an open-ended term
- Lines from $500 to $25,000
- Payments adjustable - dependent on the balanced owed
Car Problems
Medical Emergency
Need a New Home Appliance
Unexpected Dental Work
APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. As low as rate based on Platinum tier financing. Rates are subject to change without notice. LTV = Loan to value. All loans subject to credit approval and some restrictions may apply. Payment example for a Revolving Line of Credit Loan: Estimated APR of 15.99% on a loan amount of $5,000 = Payments as low as $163.00 per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.