Auto Loan Special

• $250 cash back on every Auto Loan!
• Same rates for new, used & refinanced vehicles. For a full list of available rates and terms, click here
• Choose two Skip-A-Pays every year
• Ask about 90 days deferred payments

Find your best loan rate in minutes, no credit impact.

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Shell FCU is federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. Membership, products, and services are subject to eligibility requirements. Loan approval is subject to credit and underwriting criteria. Other restrictions may apply, and Shell FCU reserves the right to modify or discontinue promotions without notice. *APR denotes Annual Percentage Rate. Actual rates, payments, and terms may vary based on creditworthiness and loan qualifications. Auto loan rates range from 3.49% APR for 36 months ($29.30 per $1,000 financed) to 18.00% APR for 84 months ($21.02 per $1,000 financed). Example payment: $25,000 financed for 36 months at 3.49% APR equals approximately $733 per month. Existing Shell FCU loans and vehicles previously financed with Shell FCU are not eligible for refinancing promotions. Special auto loans, including title loans, are not eligible. $250 Cash Back will be deposited into the member's primary savings account within 48 hours of loan closing. Applicable 1099 forms will be issued the following January. To qualify for 90-Day Deferred Auto Payments, borrowers must have a credit score of 600 or higher, be in good standing with Shell FCU, and interest will continue to accrue during the deferment period. Shell FCU offers two Skip-A-Pay(s) per year on qualified consumer loans with original terms up to 72 months. To qualify, your first payment must be processed prior to the SAP month, an extension must not have been granted in the month prior to the SAP month, you must be in good standing with the credit union, and you must be current on any Shell FCU loan(s) in which you are a signer. By participating in the SAP program, you request that your loan payment be deferred. You agree and understand that: 1) the payment deferral will extend the term(s) of the loan(s); 2) interest will continue to accrue on the principal balance at the interest rate provided in the original loan agreement; 3) deferring payment will result in additional interest than if the payment was processed as originally scheduled. If applicable, refer to your GAP (Guaranteed Auto Protection) policy for further restrictions. GAP covers up to five Skip-A-Pays during the life of the loan. Real estate loans, including mortgage and home equity, are not eligible to be skipped due to regulatory restrictions. Certain loans, including loans attained through merger, may be ineligible to participate or may require signature to be skipped, and GAP coverage may not apply. Business loans are ineligible to be skipped. Check with a Shell FCU representative to see if your loan qualifies. Loans funded with Shell FCU prior to May 3, 2021 will automatically be skipped in July and December when the qualifying criteria is met. If you do not wish to have your loan(s) automatically skipped, please visit your nearest branch for assistance or visit ShellFCU.org to complete the Skip-A-Pay Opt Out form, located in the Tools & Resources section. Your request to opt out must be received by the last day of the month in which SAP is offered. Loans funded with Shell FCU on or after May 3, 2021 can elect their Skip-A-Payment month(s) through Digital Banking based on qualifying criteria.