Auto Loans

Apply For An Auto Loan

Our auto loan rates and program options are unmatched! Whether if 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 (see below)
  • Same day loan approvals
  • 100% financing
  • Discounted protection plans
    • Mechanical Breakdown Protection (see below)
    • Guaranteed Auto Protection (GAP) (see below)
    • Debt Protection (see below)

Auto Refinance 

No one like paying more than they to. Simply tell us what kind of car you’re driving, who you’re paying, what you’re paying, and your rate. From there, we’ll calculate your savings.

Summer Free Auto Loan

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.

First Time Buyer Rates

Have limited to no credit history? Are you able to make monthly payments towards an auto loan? We can help! A good rule of thumb is that your monthly auto loan payment does not exceed 20% of your monthly gross income.

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

We also have some amazing add-on products and protection for your loan and your vehicle. Check it out!

In House Auto Buying Program

We know how tedious the car buying experience can be. Different dealerships will offer different prices for the same car. And if you don’t do your research, you may end up paying more than you have to. We offer a free unbiased auto buying experience. Simply tell us what car you’re looking for and any specific features. Our knowledgeable team will do the shopping for you.

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 Insurance 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 Loan36 Months 4.99%
Used Auto36 Months4.99%
New 1st Time Car Buyer 36 Months4.99%
Used 1st Time Car Buyer 36 Months4.99%

Recreational Vehicle Loan Rates

Loan Type 1 Term APR*
Recreational Vehicle (new) 85% LTV 48 Months 5.50%
60 Months 6.50%
72 Months 7.50%
84-120 Months 8.50%
Recreational Vehicle (used) 85% LTV 48 Months 6.75%
60 Months 7.75%
72 Months 8.75%
84-120 Months 9.75%

Motorcycle Loan Rates

Loan Type 1 Term APR*
New Motorcycle – 85% LTV 48 Months 6.50%
60 Months 7.00%
72 Months 7.50%
Used Motorcycle – 80% LTV 48 Months 6.50%
60 Months 7.00%
72 Months 7.50%

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 Coverage has no bearing on whether a loan is approved.

We will be closed on Monday, May 29th in observance of Memorial Day.