Loans

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Vehicle Loans

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Loan Options

Auto Loans

Whether you're looking for a car that defines your style or refinancing your existing vehicle, SFPCU offers fixed, competitive rates, with a convenient online application for a hassle-free process.

Features and Benefits

Get the vehicle you really want, and enjoy affordable payments with:

  • .25% rate discount for enrollment in automatic payments
  • Low competitive rates on new, used and refinanced vehicle loans
  • No-cost personal Auto Buying Service
  • Flexible repayment terms
  • Convenient payment options
  • Easy, secure online application

Plus, these additional services are available:

  • GAP Insurance
  • CUNA Mutual Credit Protection
 

Rates

New, Used, and Early Model

Effective March 3, 2014

LoanTerms and ConditionsTerm+APR As Low As*
New Auto
2013 or newer (7,500 miles or less)

Shopping for Your Next Vehicle?
Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 months1.74%
37-60 months1.99%
61-72 months2.49%
73-84 months3.49% $35k & over
Used Auto
2008 to 2013

Shopping for Your Next Vehicle?
Financing may include purchase price, tax, license, warranty & GAP, based on High Blue Book.1-36 months1.74%
37-60 months1.99%
61-72 months2.49%
73-84 months3.49% $20k & over
Early Model Autos
1993 to 2007
100% of good value in CPI manual; Appraisal may be required. Financing may include purchase price, including tax, license, warranty, GAP, based on Low Blue Book.1-36 months4.74%
37-60 months5.24%


+NEW AUTO: Minimum Loan of $35,000 or higher.
+USED AUTO: Minimum Loan of $20,000 or higher.

*APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history. Example rate of 1.99% APR with 60 monthly payments = $17.52 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments (fully indexed rate of 3.24%). Promotional offer valid on New, Used, and Early Model Automobiles, and New and Used Motorcycles. Out-of-state vehicles are acceptable on dealer transactions only. Internal refinances are not eligible. 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. Internal refinances will have a higher interest rate. Out of State Vehicles are acceptable collateral, dealer transactions only. Rates, terms, and conditions are subject to change without notice.

**GAP refers to Guaranteed Auto Protection Plus 

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online
  • Apply in Person: Visit a branch location  and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.

First-Time Auto Buyer Loan

Purchasing your first car can be an exciting, and sometimes overwhelming, experience. SFPCU is here to make your first car-buying experience easy.

Features and Benefits

See the following benefits to make your purchase simple:

  • A low fixed APR
  • No co-signer needed
  • Convenient payment options
  • Easy, secure online application
  • Auto Buying Service – find the car you want at the price you want
 

Rates

First-Time Auto Buyer

Effective March 3, 2014

LoanTerms and ConditionsTerm+APR As Low As*
First-Time Auto Buyer Loan


Shopping for Your Next Vehicle?
Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book.1-60 Months5.99%


*APR = Annual Percentage Rate. 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.

**GAP refers to Guaranteed Auto Protection Plus. 

Apply Now

Applying is easy. To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online
  • Apply in Person: Visit a branch location and meet with a Financial Service Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.

Motorcycle Loans

Are you in the market for a new or used motorcycle? SFPCU offers great rates on Motorcycle Loans. You can even set up automatic payments for added convenience.

Features and Benefits

  • Personal service
  • Great savings on many makes and models
  • Competitive rates and flexible terms
  • Safeguard your motorcycle loan with payment protection
 
 

Rates

Motorcycle New and Used

Effective March 3, 2014

LoanTerms and ConditionsTerm+APR As Low As*
Motorcycles
2014
Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 months2.99%
37-60 months3.49%
Used Motorcycles
Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 Months3.99%
37-60 Months4.49%


*APR = Annual Percentage Rate. 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.

**GAP refers to Guaranteed Auto Protection Plus.

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online
  • Apply in Person: Visit a branch location  and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.

Recreational Vehicle and Boat Loans

Do you have your eye on a boat or jet ski for the next vacation? Take a look at what SFPCU offers for recreational vehicle and boat loans.

Features and Benefits

See the types of loans SFPCU offers.

  • Boats Trailers and Jet Skis
  • RV's, Custom Vans, and Van Conversions
  • Travel Trailers
  • Mobile Homes
 
 

Rates

Boat, Trailer, Jet Ski, Motor Homes, RV, Travel Trailer, and Mobile Homes

Effective March 3, 2014

LoanTerms and ConditionsTerm+APR As Low As*
New or Used Boat/ Trailer/ Jet Ski
NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.1-60 months6.49%
61-72 months6.74%
73-84 months6.99%
85-120 months7.49% $35k & over
New or Used Motor Homes/ RVs
NEW: 90% of purchase price.USED: 80% of appraised value on private party, dealer transactions or refinance.1-60 months6.74%
61-72 months6.99%
73-84 months7.24%
85-120 months7.49% $35k & over
New or Used Travel Trailer
NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.1-60 months6.74%
61-72 months6.99%
73-84 months7.24%
85-120 months7.49% $35k & over
New Mobile Home
80% of purchase price; fees paid out of pocket. Must be in mobile home park or private property.180 months11.00%
Used Mobile Home
80% of purchase price or appraised value; fees paid out of pocket. Must be in mobile home park or private property.180 months12.00%


+ Minimum Loan of $35,000 or higher.

*APR = Annual Percentage Rate. 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.

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online
  • Apply in Person: Visit a branch location  and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding. 

Auto Buying Service

Auto Buying Service

With SFPCU’s No-cost Auto Buying Service, you don’t have to worry about the small stuff – we take care of the details for you. You’ll be assigned a personal auto shopper, who can help you find the right vehicle at the price you want. Our Auto Buying Service is FREE to members and helps save you time and hassle when purchasing a vehicle.

  • Personal service
  • Low, prearranged pricing
  • Great savings on many makes and models
  • Extensive, established network of dealer contacts to find the exact new vehicle you want
  • Smooth, seamless auto-buying experience

How it works

Apply for a loan – it’s fast and easy!

  • Apply Online: Complete an Online Application - Apply Online 
  • Apply in Person: Visit a branch location and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Contact the Auto Buying Service. Let us know the type of vehicle you are looking for by contacting us in one of the following ways:

Your Personal Auto Shopper will quickly locate the vehicle you want.

  • Get the best deal and the lowest price! We will negotiate your entire transaction, including your trade-in and inform you of any rebates or hidden incentives.
  • Get on the road in as little as 15 minutes! Pick up your new vehicle and sign the papers at our San Mateo location. We also offer remote delivery to members that reside 75 or more miles from the Bay Area.

Get Started Button


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.

Apply Now

Applying is easy.  To get started, you can choose to apply any one of the following ways:

  • Apply Online: Complete an Online Application - Apply Online 
  • Apply in Person: Visit a branch location and meet with a Financial Services Loan Officer
  • Apply by Phone: Call us at 800.222.1391 to speak with a Financial Services Loan Officer

Not a current SFPCU member? Click here for information on how to become an SFPCU member. Please note: You must establish SFPCU membership prior to loan funding.

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