Our auto loan rates and program options are unmatched! Whether you’re looking to buy a new or used car, or refinance a loan you may have elsewhere, we have the perfect solution for you.
- Option to skip your first payment for 90-days
- Competitive Rates, if not the lowest
- Option to be Summer Free
- Same day loan approvals
- 100% financing
- Discounted protection plans
- Mechanical Breakdown Protection
- Guaranteed Auto Protection (GAP)
- Debt Protection
Buying a car?
Experience stress-free car buying with our free concierge auto-buying program powered by Autoland. Let us help you find your dream car, hassle-free. No more stress or pushy salespeople – just excitement and convenience as we handle the details. Drive off in the car you want with ease!
Start the free concierge buying experience at Autoland.
Refinance your current loan with better terms!
Why pay more than you have to? With our Meet or Beat Auto Loan program, we aim to lower your current rate by up to 2%! Just tell us about your car, who you’re paying, what you’re paying, and your rate—we’ll take it from there. More Information.
School Employees, get the summer free!
If you’re a school employee, we don’t think you should have to worry about making your car payments during the summer months. For qualified auto loans, you have to option to defer your payments for two months: July and August, or August and September.
Second Chance Auto Loan Rates
We know “life” happens which may cause our finances to go in the wrong direction. We believe our members should be given the chance to a fresh start. We’ll review your profile to determine what we can do to finance your vehicle. Be prepared, a down payment may be required.
Auto Equity Loan Rates
If you don’t have an outstanding loan, or owe less than the value of your car, you may be able to use your car as collateral to get the cash you need. You’ll get access to the cash you need, while taking advantage of the decreased interest rate since the car will be used as collateral. To determine the value for your car, visit Kelly Blue Book at www.kbb.com.
Limited or no credit profile? No worries! We can help you purchase a brand-new car or a “new to me” vehicle. We’ll make your car ownership dreams a reality.
We strongly recommend that you have at least 20% downpayment available. By doing so, you increase your chances of approval and gain a significant advantage in securing the car of your choice.
We also have some amazing add-on products and protection for your loan and your vehicle. Check it out!
Guaranteed Auto Protection (GAP)
If your car is stolen or totaled, your insurance will probably pay only the actual cash value, which could be far less than your remaining car loan balance. Guaranteed Auto Protection (GAP) covers the difference by paying off your loan, and gives you $1,000 as a head start on a replacement vehicle. For peace of mind, purchase GAP when you finance your next vehicle.
Mechanical Breakdown Protection (MBP)
Our Mechanical Breakdown Protection provides the same coverage as a dealer’s extended warranty, but at a fraction of the cost! Your premiums can be financed with your loan.
Vehicle Valuation
To check the value of the car you’d like to buy, or use as collateral for cash, obtain the Kelly Blue Book value by visiting Kelly Blue Book Online. As a good rule of thumb, your loan amount should never exceed its value.
Auto Loan Rates
Auto Loan Rates
| Loan Type | Term | APR* |
|---|---|---|
| New Auto Loan | 36 Months | 5.49% |
| 48 Months | 5.74% | |
| 60 Months | 5.99% | |
| 72 Months | 6.24% | |
| 84 Months | 6.59% | |
| 96 Months | 7.09% | |
| Used Auto | 36 Months | 5.49% |
| 48 Months | 5.74% | |
| 60 Months | 5.99% | |
| 72 Months | 6.24% | |
| 84 Months | 6.59% | |
| 96 Months | 7.09% | |
| New 1st Time Car Buyer | 36 Months | 5.49% |
| 48 Months | 7.44% | |
| 60 Months | 7.94% | |
| 72 Months | 7.99% | |
| Used 1st Time Car Buyer | 36 Months | 5.49% |
| 48 Months | 7.44% | |
| 60 Months | 7.94% | |
| 72 Months | 7.99% |
Recreational Vehicle Loan Rates
| Loan Type 1 | Term | APR* |
|---|---|---|
| Recreational Vehicle (new) 85% LTV | 48 Months | 6.50% |
| 60 Months | 7.50% |
|
| 72 Months | 8.50% |
|
| 84-120 Months | 9.50% |
|
| 48 Months | 7.75% |
|
| 60 Months | 8.75% |
|
| 72 Months | 9.75% |
|
| 84-120 Months | 10.75% |
Motorcycle Loan Rates
| Loan Type 1 | Term | APR* |
|---|---|---|
| New Motorcycle – 85% LTV | 48 Months | 7.00% |
| 60 Months | 7.50% |
|
| 72 Months | 8.00% |
|
| 48 Months | 7.00% |
|
| 60 Months | 7.50% |
|
| 72 Months | 8.00% |
Terms & Conditions
1Auto loan rates include the following discounts: .25% with direct deposit, .25% with auto pay from a SFCU checking account. Rates listed are the lowest possible rates offered. Actual rate awarded will be based on the borrower’s credit qualifications and loan characteristics. Rates are subject to change without notice. All loan rates are subject to change without notice. View payment examples by visiting our Loan Calculator tool. 2APR=Annual Percentage Rate. All rates subject to change without notice. Individual APRs based on credit score, loan term, loan-to-value (on secured loans).
Enrollment in optional services, such as Debt Protection, GAP, and Mechanical Breakdown Protection has no bearing on whether a loan is approved.