How Much Can You Borrow?

As long as you’re eligible to become a qualified borrower, you’re able to receive 100% financing with no stated maximum.

What types of vehicles are eligible for financing?

Scott Credit Union’s auto loans cover automobiles, motorcycles, boats, recreational vehicles, jet skis, and all-terrain vehicles.

How do I qualify?

The Scott Credit Union has great rates and some of the best auto loans in Illinois.

However, to be eligible you must live, or be related to someone who lives, in one of the following counties in Illinois and Missouri.

• Monroe
• Madison
• St. Clair
• Morgan
• Sangamon
• Calhoun
• Greene
• Jersey
• Macoupin
• Montgomery
• Christian
• Shelby
• Bond
• Fayette
• Effingham
• Jasper
• Crawford
• Clinton
• Marion
• Washington
• Jefferson
• Randolph
• Perry
• Franklin
• Jackson
• Williamson
• St. Louis
• St. Charles
• St. Louis City

What documents do I need?

Make sure you’ve got the needed documents, namely your driver’s license, social security number, and proof of address in one of the above locations.

What are the fees?

According to previous borrowers, it seems that Scott Credit Union does charge late fees and

is quite aggressive about recovering them, but the size of these are dependent on your specific loan.

How long does the loan process take?

It’s quick and easy to apply online, and the format makes things simple to comprehend.

The website boasts a fast approval process; once filed and accepted, the money should take 2-5 business days to arrive in your account.

How to apply for an auto loan?

The only way to apply for auto loans is via the portal on the Scott Credit Union website.  

However, if you’re struggling for any reason there’s a customer support number.

What payment methods are supported?

There are several payment methods that are possible, such as bank transfer, credit card,

on the phone or in-person in a branch.

Is Scott Credit Union right for you?

Scott Credit Union offers great rates on almost every vehicle imaginable.

The only real problem with this organization is that it only caters to people in quite a small and specific location.

If you fall outside of this catchment area, a more major auto loan lender would be advisable.

Some fantastic lenders with more relaxed eligibility criteria include Open Road and Capital One.