Auto Loans

Falling Rates v4

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.

  • 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 

We don’t like paying more than we have to, and you shouldn’t either. 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.

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

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 As a good rule of thumb, your loan amount should never exceed its value.

Auto Loan Rates

Rates current as of and subject to change.

All motor-vehicle loans (auto, motorcycles, RV) must be purchased and/or registered in the State of California

Monthly loan payment calculator

Loan Type1TermAPR2
New or Used Vehicle, 100% Financing     36 months 2.44%
  48 months 2.44%
  60 months 2.44%
  72 months 3.24%
  84 months 3.99%
New or Used Vehicle, 80% Financing      36 months 2.44%
  48 months  2.44% 
  60 months  2.44% 
  72 months  2.99%
  84 months  3.24%
New 1st Time Car Buyer   up to 60 mos 4.34%
  72 months  4.64%
Used 1st Time Car Buyer   up to 60 mos  4.59%
  72 months  4.89%


Loan Type1TermAPR2
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%


Loan Type1TermAPR2
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%

View Fee Schedule Calculators   Printable Rate Sheet