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Auto Loans

We want to get you on the road with a hassle-free vehicle loan that allows you to enjoy your new vehicle or drive your current one with lower monthly payments. For purchases and refinances, SFPCU offers fixed, competitive car loan rates plus a convenient online application that makes the process quick and easy.

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Features & Benefits

Auto Loans - New and Used
Rates Effective: December 1, 2018
TermAPR As Low As*
1-36 months2.49%
37-60 months2.74%
61-72 months2.99%
73-84 months3.49% $35k and over

NEW AUTO: 2017 or newer (7,500 miles or less). 73-84 month loan term with is only available for loans $35k and over.

USED AUTO: 2012 to 2017. 73-84 month loan term with is only available for loans $20k & over.

 

*APR = Annual Percentage Rate. Example rate of 2.49% APR with 36 monthly payments = $28.86 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments (fully indexed rate of 2.74%). Internal refinance will be subject to a 1.00% add on to your qualifying interest rate. Out-of-state vehicles are acceptable on dealer transactions only. Rates, fees and terms are subject to change at anytime, you may contact us for current information at 800.222.1391, visit our Rates Page for current rates.

 

Auto Loans - Early Model Autos 1997 - 2011
Rates Effective: December 1, 2018
TermAPR as low as*
1-36 Month6.24%
37-60 months6.74%

*APR = Annual Percentage Rate. Internal refinance will be subject to a 1.00% add on to your qualifying interest rate.  Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Financing may include purchase price, including tax, license, warranty, GAP, based on Low Blue Book.

**1% off current SF Police Credit Union rate. Current rate will vary based on credit worthiness and terms. Financing for qualified SF Police Credit Union members. Not all buyers will qualify. Offer valid now through 12/31/18 and is subject to change without notice. This offer cannot be combined with any other offer. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.