All the benefits of leasing with none of the hassle
An auto loan that works like a lease! Get the car of your dreams with lower payments and flexible options with a Driving Sense Loan from SFCU.
Nothing Due at Signing
Forget down payments. Get into your new car with just your signature and no money due at signing.
No Early Termination Fees
Unlike a lease, you can sell, trade, refinance, or pay off your vehicle at any time during your Driving Sense Loan with no early termination fees.
Flexible Mileage Options
Save money by choosing the mileage options that work best for your lifestyle. Driving Sense Loan options between 12,000, 15,000, or 18,000 miles per year.
Titled to You
You can trade in your vehicle at any time because the car is titled to you, giving you more freedom with your auto loan.
Option to Walk Away
Surrender your vehicle and walk away at loan maturity if you're ready for a different vehicle for even more freedom.
Rates
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Monthly Payment
Get into your new car sooner
Who needs down payments or fees? With a Driving Sense Loan from SFCU, you can get into your new car with no first or last payment due at signing, making it easier to purchase the car of your dreams.
Enjoy more flexibility with your auto loan
Whether you want to sell, trade, refinance, or pay off your vehicle, you can do whatever works for your goals with a Driving Sense Loan. Enjoy more flexibility with how you handle your loan without worrying about early termination fees.
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
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1
Complete an application
It takes only a few minutes to fill out the online application.
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2
Get response
We'll crunch the numbers and let you know if you're approved.
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3
Use the funds
Purchase or refinance your next car using the funds.
Have a question? Get in touch with us
Enjoy the best of both worlds
With a Driving Sense Loan from SFCU, you can enjoy the flexibility of a lease with all the benefits of a loan. Get a car titled in your name with no first or last payment due at signing and flexible mileage options to bring the car of your dreams within reach.
DrivingSense Rates
| Type of Loan | Term (Approx.) | DrivingSense rate |
|---|---|---|
|
New & Used Autos 2024-2022 |
36 |
6.49% |
|
48 |
6.74% |
|
|
66 |
6.99% |
|
|
72 |
7.24% |
|
|
Used Autos 2021-2019 |
48 |
7.24% |
|
66 |
7.49% |
|
|
72 |
7.99% |
|
|
2018 |
48 |
7.99% |
|
63 |
8.24% |
|
|
72 |
8.59% |
as of 2/7/23
Eligible for vehicles - up to 5 years old
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Rates effective as of: April 3, 2025
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