Auto Loan Rates
| Type of Loan | Term (Months) Approximate | APR (as low as) |
|---|---|---|
|
New & Used Autos 2024-2022 |
36 |
6.09% |
|
48 |
6.34% |
|
|
66 |
6.59% |
|
|
78 |
6.84% |
|
|
84 |
7.99% |
|
|
Used Autos 2021-2019 |
48 |
6.84% |
|
66 |
7.09% |
|
|
78 |
7.34% |
|
|
84 |
8.49% |
|
|
2018-2017 |
48 |
7.59% |
|
63 |
7.84% |
|
|
78 |
8.09% |
|
|
2016-older |
48 |
9.09% |
|
60 |
10.09% |
|
|
Driving Sense Balloon Auto |
New or used up to 5 years old |
Rate 1% higher than sfcu auto rates |
|
Classic Autos |
36 |
9.14% |
|
48 |
10.14% |
|
|
60 |
11.14% |
|
|
72 |
12.14% |
as of 08/14/23
APR = Annual Percentage Rate
Credit Union membership is required with a $5 minimum deposit.
The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.
Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.
Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU. See Agreement for details.
| Type of Loan | Term (Months) Approximate | APR (as low as) |
|---|---|---|
|
New & Used Autos 2024-2022 |
36 |
7.09% |
|
48 |
7.34% |
|
|
66 |
7.59% |
|
|
72 |
7.84% |
|
|
Used Autos 2021-2019 |
48 |
7.84% |
|
66 |
8.09% |
|
|
72 |
8.34% |
|
|
2018 |
48 |
8.59% |
|
63 |
8.84% |
|
|
72 |
9.09% |
|
|
Payment Example |
||
|
Financing Option |
Conventional Financing |
Driving Sense |
|
Loan Amount |
$40,000 |
$40,000 |
|
Rate |
6.09% (APR) |
7.09% (APR) |
|
Term |
60 Months |
60 Months |
|
Monthly Payment |
$775 |
$612* |
as of 08/14/23
Credit Union membership is required with a $5 minimum deposit. APR = Annual Percentage Rate Consumer Loans - The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for. Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.
Repayment example: Driving Sense loan amount of $40,000, 7.59% APR, term of 60 months, and a Guaranteed Future Value of $18,500: Payments 1-59 are $627.00 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $4614.63. You have four options to satisfy the final payment, as noted above. If you elect to return the vehicle you will have the following obligations: 1. All original equipment that came with the vehicle when you purchased it must still be with the vehicle. 2. If you exceed your mileage allowance, the excess mileage fee is $.10 per mile, and 3. The condition of the vehicle when returned must comply with the Loan Addendum provided to you at the time of loan disbursement. If you return the vehicle in accordance with the Loan Addendum, you will be charged a low $195 disposition fee and the residual amount is considered to have been fully satisfied and the loan is closed.
| Type of Loan | Term (Months) Approximate | APR (as low as) |
|---|---|---|
|
New RV & Boat Loans (2020 and Newer) |
48 |
9.00% |
|
60 |
9.25% |
|
|
120 |
9.50% |
|
|
- Used RV & Boat Loans (2019 and older - up to 20 years old) |
48 |
9.25% |
|
60 |
9.50% |
|
|
120 |
9.75% |
|
|
Sports Craft - ATV, UTV, Dirt Bike, Snowmobile (2020 & Newer) |
36 |
9.00% |
|
48 |
9.25% |
|
|
60 |
9.50% |
|
|
72 |
9.75% |
|
|
Sports Craft - ATV, UTV, Dirt Bike, Snowmobile (2019-2017) |
36 |
9.14% |
|
48 |
9.39% |
|
|
60 |
9.64% |
|
|
72 |
9.89% |
|
|
Motorcycle (2020 and Newer) |
36 |
7.09% |
|
48 |
7.34% |
|
|
60 |
7.59% |
|
|
72 |
7.84% |
|
|
Motorcycle (Used 2019-2017) |
48 |
7.84% |
|
60 |
8.09% |
|
|
72 |
8.59% |
|
as of 5/17/23
APR = Annual Percentage Rate
Credit Union membership is required with a $5 minimum deposit.
The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.
Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU. See Agreement for details.
Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
| Column Title | Column Title | Column Title |
|---|---|---|
|
Cell Value updated again |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
Rates Effective as of: September 22, 2023
{Optional: Insert table disclosure information}
Open Account
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.