Used Auto Loans

Drive Off with a Great, Low Auto Loan Rate

fall into savings

skip your first payment for 90-days!

When you open a new or used auto loan with Skyla, you have the option to skip your first payment for 90-days*, giving you time to pay other bills, put the money in savings, or put the payment towards something else - it's totally up to you!

Once your application is submitted, simply tell the Lending Specialist you'd like to opt-in to this limited time savings.

But Hurry - this offer is only valid until 12.31.24!

Apply Now

The Plan

here's how to apply for your used auto loan

Finding an auto loan can feel overwhelming - but it doesn't have to. At Skyla, we made the auto buying process simple! Follow the steps below to start your application today.

check the faqs

Check out our FAQs to understand how long financing will take, if you should consider a down payment, how you can finance, and more.

Get Answers

pick your term

With loan terms up to 84 months and 100% financing for qualified borrowers, you're sure to find the option that's right for you.

See Rates & Terms

protect your ride

Take a peek at the additional coverage options available that will keep both you and your ride protected.

Get Protected

ELECTRIC & HYBRID VEHICLES

Hybrid and Electric Vehicles are a great option for those looking to save money on gas and reduce their carbon footprint! Not only do they provide significant fuel savings, but they also qualify for various incentives and tax credits. Say goodbye to frequent trips to the gas station and hello to a more efficient and eco-friendly way of commuting!

ALL ABOUT AUTO LOANS

what you should know before applying for an auto loan

do i need to get pre-approved?

do auto loans help you build credit?

should i consider a down payment?

what other costs should i be prepared for?

can i buy from a private seller?

can i have 2 auto loans?

how old can the car be if i want to finance it?

Apply Now Ask Another Question

pick your term

used auto loan rates as low as:

4.99%

APR² for 0 - 48 months

5.50%

APR² for 49 - 60 months

6.25%

APR² for 61 - 72 months

Apply Now Calculate a Payment

NEW (TO YOU) CARS

need some help finding your next used vehicle?

Skyla and CUABS have partnered to make buying a car hassle-free and less time-consuming for our members. With a vast selection of used vehicles, exceptional car care, and a no-pressure atmosphere, CUABS can even save you thousands of dollars with its volume-buying power. Interested?

Visit CUABS

auto loan add-ons

protecting your ride

When you apply for your Skyla vehicle loan, you have the option to add on these additional benefits to keep you and your ride protected.

mechanical repair coverage

Worried about the high cost of mechanical repairs on your new or used vehicle? We’ve got you covered.

guaranteed asset protection (gap)

GAP covers the difference between what you owe on your vehicle and how much the vehicle is actually worth.¹

credit insurance protection

Your loan payments are taken care of should you become involuntarily disabled or experience loss of life.

Learn More

let's chat

your auto loan questions... answered

If you have a specific auto loan question or are simply looking for advice on where to start in the process – our team of lending specialists is here to help!

Please DO NOT include your account number or social security number. We’ll respond to your message on or before the next business day.

learning & guidance

checklist

what you'll need to apply for your auto loan

proof of identity & residence

proof of income

proof of insurance

vehicle info

trade-in documentation

ok, so here's the fine print:

Let's Get Started

applying for your used auto loan

I Have a Skyla Account

Drive Off with a Great, Low Auto Loan Rate

skip your first payment for 90-days!

But Hurry - this offer is only valid until 12.31.24!

here's how to apply for your used auto loan

check the faqs

pick your term

protect your ride

ALL ABOUT AUTO LOANS

what you should know before applying for an auto loan

do i need to get pre-approved?

do auto loans help you build credit?

should i consider a down payment?

what other costs should i be prepared for?

can i buy from a private seller?

can i have 2 auto loans?

how old can the car be if i want to finance it?

used auto loan rates as low as:

need some help finding your next used vehicle?

protecting your ride

mechanical repair coverage

guaranteed asset protection (gap)

credit insurance protection

your auto loan questions... answered

resources to help with your auto loan

a comparison of your auto loan options

auto loan documentation checklist

should you consider a down payment?

checklist

what you'll need to apply for your auto loan

proof of identity & residence

proof of income

proof of insurance

vehicle info

trade-in documentation

ok, so here's the fine print:

applying for your used auto loan