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Auto Buying Service

Your time is as valuable as your money, and SFPCU wants you to enjoy more of both. Our Auto Buying Service is perfect for busy California first responders who want to find the best deal on a vehicle without devoting all the time necessary to research options and negotiate prices.

The Auto Buying Service is free to SFPCU members and acts as a personalized concierge through the process. You’ll be assigned a personal auto shopper who will find the vehicle you want based on your specifications, for the lowest price possible.

1. Apply for an SFPCU Auto Loan.

First, apply for an SFPCU Auto Loan through our online loan application or by calling SFPCU at 800.222.1391. You can also visit one of our convenient branches.

2. Tell us what you're looking for.

Your personal auto shopper will go to work to secure the lowest available price on your vehicle.

3. We deliver your new vehicle and handle your trade-in.

Once you decide on the vehicle you want, you can pick it up and sign the papers at our office in San Mateo, or we’ll deliver your vehicle if you live 75 miles or more from the Bay Area. Contact us today if you have any questions. 

Hassle-Free Test Drives

Test Drive

We can set up a hassle-free test drive for you at a dealership. Simply call one of our vehicle specialists at 800.716.9550 and we will set everything up. We have changed the new vehicle buying process to work for you.


Trade-In: What We Do

We can assist you with your trade-in when you activate your account with us.

The value of your trade-in does not affect the price of your new vehicle the way it would if you went through a dealership. We’ll spare you the frustration of selling your used vehicle, while getting you a great price for your trade-in.

What is my car worth?

Edmunds® Used Car Appraiser is a good source to get an accurate estimate of your vehicle’s value. Click here to visit the Used Car Appraiser. Please keep in mind this is an estimate.


How much do you charge for your Service?

This is a free member benefit for all SFPCU members. If you are interested in applying for an SFPCU membership click here.

What vehicles do you sell?

Any make, any model. We can acquire any new vehicle that is sold; from an Acura to a Ferrari and everything in between – including SUV’s, family and cargo vans, and fully equipped work trucks.

Do you take trade-ins?

Yes. We will get you the most for your trade-in because we shop your trade-in to wholesalers and re-marketers who pay top market value.

What type of inventory do you have?

We have no inventory at our office location; taking advantage of our low overhead is what allows us to save you money. We have access to every vehicle at any dealership in the U.S.

Do you only serve clients in the Bay Area?

We provide remote service to SFPCU members who reside outside of the Bay Area.

What type of financing rates do you offer?

SFPCU financing can be your best resource — often better than direct factory financing. Plus, you don’t need to give up your rebate (when one is available on your new vehicle).  A variety of attractive financing options are available.

What about factory incentives?

All factory incentives will be applied if these promotions are available on the vehicle you are purchasing.

What about hard to locate vehicles?

Not a problem. We can find it! We specialize in local, statewide, regional, and nationwide searches for hard to find cars. We will exercise every possible resource we have to locate the exact car you want.

Where do I take my car when I need warranty repair?

At the dealer of your choice. Remember, every new car carries the full manufacturer’s factory warranty, and can be serviced at any dealership.

What about servicing my car?

You can service your vehicle at the dealer of your choice and receive excellent service. After a service or warranty repair, manufacturers and dealerships themselves will send you a comment form to assess the level of service you received. These satisfaction reports are important to the manufacturer and give you the member a say in how you are treated.

SFPCU Advantage

SFPCU financing can be your best resource — often better than factory financing, plus you don’t need to give up your rebate (when one is available on your particular vehicle). Call your SFPCU Personal Auto Shopper for details, including the inside scoop on all factory rebates, incentives, and hidden manufacturer-to-dealer incentives. Dealer-related savings are part of our package for you.

SFPCU is the best choice for your next auto loan. A variety of attractive financing options are available, including:

  • New and used auto, motorcycle, boat, RV, and mobile home loans
  • Loan repayment periods up to 84 months
  • Low down payments, including 0% down on many loans


  • "Dear Armen,
    Just a quick note to thank you for your kindness and your time. Your expertise and thoughtfulness is much appreciated, you make the purchasing of a new vehicle a very pleasurable experience."
    Member David R. (retired SFPD)
  • "I am extremely happy with the service I received from SF Police Credit Union's Auto Buying Service. Armen Sadakian, president, provided me personal service that was outstanding. I was very specific about the car and trim I wanted, and he was able to order me a 2014 model directly from the factory before it even reached the dealers. He constantly kept me informed on the status of my order, and made the purchase of my car seamless. The process is even easier if you get a loan through the credit union! Everything can be done over the phone. I would use this service again, and highly recommend it."
    Member P.F. (retired SFPD)
  • "Over the past 5 years, I have purchased two vehicles and on every occasion [SFPCU's Vehicle Buying Service] has found the vehicle I wanted (usually within a few days and at a price lower than the dealerships). I just provide them with the year, make, model, color, etc of the vehicle and they take care of the rest. Once the vehicle is located, I show up to their location in San Mateo to fill out the paperwork and get the keys. 

    They handled the trade-in, test drives, financing/leasing options, extended warranties, and all the paperwork. They are very professional, knowledgeable, and friendly service and I always recommend them to my friends, family and co-workers."
    Member Ike, Sunnyvale, California
  • "You guys are true professionals. My car still has less than 3,000 miles after all these months. Every time I take it out I get a lot of questions or thumbs up. I have yet to see another Plum Crazy Challenger. I am going to be showing the car in a car show at the end of this month in South San Francisco."
    Member Paul M., Fremont, California
  • "My research took most of the year...after visiting several dealerships and not being satisfied I called into the credit union and was recommended to call initial contact was Chris S. who immediately went to work and within hours found me the exact automobile and got me the best price...very professional...made the purchasing process easier than I imagined."
    Member Manuel E., Carnelian Bay, California
  • "Just thought I would write to let you know that the car is great we all just love it. Thank you once again that was the easiest car that I ever purchased. It was so easy that I still cant believe that the car is mine and I have to go out look in the driveway for the car."
    Member Denis J., Petaluma, CA
  • "Just thought I would write to let you know that the car is great we all just love it. Thank you once again that was the easiest car that I ever purchased. It was so easy that I still cant believe that the car is mine and I have to go out look in the driveway for the car. Thank you for all your help in the purchase of my new Mazda 3 last month. It was a pleasure working with all of you... such a pain-free experience. You guys made all the difference, and I know you went to a lot of trouble to get me the exact car I wanted."
    Member Iain S., San Mateo, CA
  • "Just thought I would write to let you know that the car is great we all just love it. Thank you once again that was the easiest car that I ever purchased. It was so easy that I still cant believe that the car is mine and I have to go out look in the driveway for the car.I absolutely love my truck! Perfect! The service you extended to me is truly appreciated, most especially making it so easy for me with the paperwork & delivering my truck to me! I didn't even have to leave! Thank you again!"
    Member Eleanore H., Clear Lake, CA
  • "My husband and I really enjoyed the level of personal service and commitment you brought to this auto buying experience. Pete walked us through everything... We never felt more safe with this experience! As my husband said, there are so many horrifying stories of car buying experience and having someone like Pete to help you -- truly makes you feel safe! We were in good hands!
    Thank you again and keep up the great work!"
    Members Darlene and John H.


We are a buying service not a pricing service. We are here to assist you with your next vehicle purchase.

SFPCU's Auto Buying Service is a partner of SFPCU as a sole and separate entity. SFPCU is not liable for any failure of products or services provided from this vendor.
Financial Services for First Responders
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  • Equal Housing Opportunity
  • NMLS ID# 409710

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