Get the auto loan you need to buy your next vehicle
Competitve rates and flexible terms mean there are plenty of options to fit your budget. Whether you are buying a new or used vehicle or looking to refinance, SFCU Loan Professionals are here to help.
Rates As low as APR*
Estimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
Low rates
Keep more money in your account over the life of the loan with a low rate auto loan from SFCU.
Eligible for Member Rewards
Receive 0.50% discount off the rate when you direct deposit your payroll, pension or social security.
Flexible terms
Choose the payment that works best for your budget with flexible terms up to 84 months.
Refinance
Move your existing auto loan to SFCU and we may be able to save you money each month. Refinance and put the savings in your account!
Shop any lot
An SFCU auto loan works right through the dealer of your choice, so you can shop at your favorite lot with more convenience.
Driving Sense Loans
Get all the flexibility of leasing but the advantages of buying.
I went in to get a car loan The process was simple and easy The staff at the branch were friendly and helpful I've never had a better experience getting a loan
-
1
Apply now
It takes only minutes to fill out the online application.
-
2
Get response
We'll crunch the numbers and let you know if you're approved.
-
3
Buy your car
Then you can use the funds to buy your vehicle.
Auto Loans Rates
| Type of Loan | Term (Approx.) | APR (as low as) |
|---|---|---|
|
New & Used Autos2 2023-2021 |
36 |
5.49% |
|
48 |
5.74% |
|
|
66 |
5.99% |
|
|
78 |
6.24% |
|
|
84 |
7.49% |
|
|
Used Autos2 2020-2018 |
48 |
6.24% |
|
66 |
6.49% |
|
|
75 |
7.29% |
|
|
78 |
7.24% |
|
|
2019 & 2020 Only |
84 |
8.19% |
|
2017-2016 |
48 |
6.99% |
|
63 |
7.24% |
|
|
2017 Only |
72 |
7.59% |
|
2015-2014 |
48 |
8.49% |
|
60 |
9.49% |
|
|
2013 & Older |
48 |
10.49% |
|
2013 Only |
60 |
11.49% |
|
Driving Sense Balloon Auto |
New or used up to 5 years old |
Rate 1% higher than sfcu auto rates |
|
Classic Autos2 |
36 |
8.64% |
|
48 |
9.64% |
|
|
60 |
10.64% |
|
|
72 |
11.64% |
as of 2/7/23
Certain Restrictions may apply on any of the above loan types. The above rates are determined by creditworthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.
1- APR = Annual Percentage Rate
2- In addition to our competitive rates, you may receive up to a 0.50% discount with our Member Rewards Program. If an employer offers Direct Deposit, in order to get the Member Reward discount you must set up Direct Deposit.
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Rates effective as of: November 9, 2024
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