Vehicle financing

New, used, and refinance auto loans

Finance at the dealer, through Sky directly, or with a private-party purchase. Title perfection, GAP coverage, and state lien filing rules are explained up front so funding aligns with possession—not the other way around.

Apply for auto financing Compare to personal loan
Car loan financing options
Direct lending can strengthen your negotiating position at the dealership.
Auto refinance
Refi can lower payment or term when your credit improves or rates fall.

Auto refinance checklist

  • Payoff quote valid through a specific date; per diem interest included.
  • Registration and title match VIN; salvage or branded titles may be ineligible.
  • Mileage and vehicle age must fit program parameters.

Boats, RVs, and specialty collateral

Marine and RV loans may include Coast Guard documentation, storage verification, and seasonal use underwriting. Sky assigns specialists who understand titling nuances across states.

Strong rates reward shorter terms and automatic payment.
Understand total interest before you sign.
Insurance limits must satisfy lender loss-payee requirements.