Auto Equity and Refinance Loans

Auto Equity Loan
If you have equity in your auto (current value of the car is higher than outstanding loan balance), you can cash out by applying for an Auto Equity Loan. Refinance the equity on your vehicle and have access to an easy source of cash at a low, fixed rate.

For example: If you currently owe $10,000 on your existing auto loan and your vehicle is worth $15,000 under the Retail Kelley Blue Book/CPI guidelines, we will refinance the original $10,000 loan balance AND loan you an additional $5,000 in cash based on your vehicle’s equity.**
A San Francisco Federal Credit Union Auto Equity Loan can help pay off higher rate debt, make a major purchase and you will save money by paying with our lower auto loan interest rates.

  Auto Equity Online Application

Auto Loan Refinance
If you currently have an auto loan with another financial institution, compare our rates and save! To lower your monthly payments, we offer low fixed rates and a choice of terms.

  Auto Refinance Online Application
 View Auto Rates

Sample Monthly Payments

(Sample rates only. Your actual rate will be disclosed upon loan approval. Add 1% to rates for payment methods other than pre-authorized automatic payment.)

**When refinancing: Offer subject to visual inspection of your vehicle. No salvaged vehicles or lemon law buybacks allowed. Vehicles are subject to Credit Union approval. We refinance vehicles 6 years old or newer up to high Kelley Blue Book/CPI value. Vehicles 7-10 years old may qualify and are subject to Credit Union approval. If refinancing an existing San Francisco FCU auto loan without additional cash back, a $75 refinancing fee will be charged.

Additional Resources

• Payment Cancellation Protection - Help safeguard your loan with MEMBER'S CHOICE^TM Borrower Security.  Learn more.