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Where Your Car Dreams Take the Driver’s Seat

With Signal Financial, the journey to your dream vehicle is as smooth as the ride itself.

We offer:

  • Terms up to 84 months
  • Loans for new and used vehicles and motorcycles
  • Access to our Premium Car Buying Service powered by TrueCar®
  • Easy online application process
  • Refinance options to save you money
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Vehicle Loan Rates

Product Up to 48 months APR1 as low as Up to 60 months APR1 as low as Up to 72 months APR1 as low as Up to 84 months APR1 as low as
New Autos 6.24% 6.24% 6.24% 6.99%
Used Autos 6.49% 6.49% 6.49% 7.24%
New Motorcycles 6.24% 6.24% 6.24% Not Available
Used Motorcycles 6.74% 6.74% Not Available Not Available

See Our Rates page for terms and conditions.

Special Perk:

0.25% APR1 discount on new auto loans when you become a Signal Smart Plus member→ 

Shop and Save with Signal

Premier Car Buying Service powered by TrueCar®

Locate your next new or used vehicle using our partner, TrueCar®, for a hassle-free browsing and buying experience.

  • Be at ease. Get a better buying experience from our network of pre-screened dealers
  • Find guaranteed savings4 on new cars and dealer-guaranteed prices on used cars before visiting a dealer
  • Search and compare. Build your dream car, compare features, view photos, read reviews, and check your trade-in value. You can even see what others paid for the vehicle you want

Here’s how it works:

  1. Get pre-approved for your Signal vehicle loan3.
  1. Find your dream car online and receive an exclusive no-cost, no-obligation Price Protection Certificate.
  1. Bring your loan pre-approval and Price Protection Certificate to the dealer for an easy car-buying experience!
Start Shopping

Drive with Peace of Mind

Signal’s Mechanical Breakdown Protection (MBP) Program2 will protect you after your warranty expires so you can save against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures.

Perks include:

  • Rental car allowance
  • 24/7 roadside assistance and towing
  • Availability on both new and used vehicles

Signal GAP Advantage5

Our GAP Advantage Waiver is a non-insurance product designed to give you some “just in case” coverage for life’s unexpected moments.
What is GAP?

Sometimes, the actual cash value of your vehicle as determined by your primary insurance carrier could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum loan-to-value (LTV) percentage. GAP may also cover up to $1,000 of your deductible if there is a “gap” after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance settlement.

GAP also provides you with a $1,000 credit towards the financing of a replacement vehicle!

Loan Balance $18,000
Insurance Settlement $15,000
GAP covers $3,000

Take the wheel with Signal Auto Loans, where your car dreams cruise into reality with ease.

NOTE: The Annual Percentage Rates shown above reflect the current minimum APR offered to members in a relationship banking bundle and includes a 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Rates and terms subject to change at any time without notice.

1 Annual Percentage Rate (APR). Rates as of December 20, 2024.

2 Mechanical Breakdown Protection (MBP) is subject to limitations and exclusions. To find out if MBP is right for you, please contact Signal Financial Federal Credit Union at 301-933-9100.

3 Approval based on creditworthiness.

4 Guaranteed Savings is not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in stock at the Certified Dealer.

5 Your purchase of GAP is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver Addendum, which will contain the terms and conditions of GAP benefit.

GAP eligibility requirements, conditions, and exclusions.

There are eligibility requirements, conditions, and exclusions that could prevent you from receiving GAP benefits. You should carefully read your GAP Waiver Addendum Form for a full explanation of the benefits, rules, and terms and conditions of the program. This webpage is not a contract. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. GAP is subject to limitations and exclusions, including but not limited to a loan-to-value (LTV) maximum.

Not available in NY or AK.

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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Routing Number:
255075495

Main Line
301-933-9100

VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018

For Visa Signature Cards:
800-328-3033

VISA® Debit Card: Lost/Stolen
866-498-2213

Automated Phone System
800-447-8997

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Signal Financial Federal Credit Union is federally insured by the National Credit Union Administration.
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