Vehicle Loans
Our low rates and quick approvals will have you in the driver’s seat in no time. And with terms as flexible as your needs and no payments for 90 days, you’ll have the freedom to drive now and plan later.
New Cars
As low as
4.24% APR*
Used Cars
As low as
5.35% APR*
Refinance
As low as
4.24% APR*
Shift Into Gear With a Great Rate
No Payments for 90 Days
We don’t pressure you on payments—you can take 3 months before making one.
Flexible Terms
We can offer up to 84-month terms on your loan—which is hard to beat!
Affordable Payments
We’ll work with you to ensure your monthly payments are realistic for your budget.
Easy Loan Application
Our loan application is straightforward and simple, so you can get it done in no time.
New & Used Auto Loans
Financing a vehicle should feel as smooth as the ride itself. Our straightforward application process gets you on the road faster, and we work with you to ensure your monthly payments fit comfortably within your budget. Whether it’s a sleek new model or a dependable used car, we’re ready to help you every step of the way.
Additional Features of New & Used Auto Loans
Low Rates
We offer competitive auto loan rates as low as 4.24% APR* for new cars.
No Payments for 90 Days
Keep your money in your wallet a little longer. You don’t have to make your first payment for 90 days.
Efficient and Quick Approvals
Why should you wait a long time to get approved? Our streamlined process is quick—because it’s designed to benefit you!
Skip-a-Payment Option
We understand that sometimes money gets tight. With Skip-a-Payment, you can take a month off from paying your loan (under certain conditions).
Easy Loan Application
Applying for a loan shouldn’t be difficult or confusing! Our loan application is user-friendly so that you can get it done in a snap.
More Personalized Support
Our credit union prides itself on providing excellent, customized support for our members.
It’s Only 3 Easy Steps
Apply Online
Click the button below or visit one of our branches to apply.
01
Sign Your Loan
Review the loan amount, rates, and terms—then sign off on your loan.
02
Get a Check
Use your check to buy your new car!
03
Other Types of San Francisco Federal Credit Union Vehicle Loans
Auto Loan Refinancing
Come talk to us if you think you’re paying too much for an auto loan from another institution. Our EZ Loan refinance program is designed to offer lower monthly payments and better terms.
Motorcycle Loans
If two wheels are more your speed, we can help you get cruising in no time with 100% financing and low rates.
RV Loans
Looking to get in touch with the great outdoors? Let us help you finance the RV of your dreams with our low rates and a 15-year term.
Boat Loans
There’s no more freedom than out on the open water with the wind at your back and the sun warming your face. We can help you finance up to $100,000 over a 15-year term so you can set sail in style.
Our Auto Loan Tools
AutoSMART®
Online Vehicle Shopping Quotes
Take the stress out of car shopping and do it all online! With AutoSMART you can search, shop, and finance your vehicle—without ever leaving your house. Now that’s convenient.
Enterprise® Car Sales
Special Incentives
Leverage our partnership with Enterprise to take advantage of exclusive deals on select used vehicles. Every sale includes vehicle certification, a powertrain warranty, a 7-day repurchase agreement, and a free CARFAX® report.
Why Choose San Francisco FCU?
For almost 70 years, we have lived our philosophy of “people helping people” in the Bay area. As a nonprofit credit union, we strive to put our members first instead of putting profit money into shareholders’ pockets.
To that end, we deliver exceptional service and are constantly innovating to provide the best financial solutions for our members.
Member Reviews
Auto Loan FAQs
Yes, you’ll need to be a member of San Francisco Federal Credit Union to take advantage of our low rates and personalized service. Becoming a member is easy and open to people who live, work, attend school, or worship San Francisco County or meet other broad criteria.
Credit unions offer very competitive rates and flexible repayment terms which means you’ll save money on your loan over time and you can also pay it back on a schedule that works best for you.
Many of our members get pre-approved for an auto loan before they start shopping for a new automobile or truck. Get added buying power by contacting a branch, calling 415-775-5377, or applying online today. Talk to our loan experts and get pre-approved for a loan amount that works for you.
Through our partner, TruStage, we offer discounts on car insurance. And if you want coverage beyond just standard auto insurance, you can extend your warranty with Mechanical Breakdown Insurance (MBI). You may also want to consider Guaranteed Auto Protection (GAP) to help pay your entire loan if your vehicle is totaled or stolen (offered for terms less than 84 months). The Credit Protection Plan allows you to cancel your auto loan debt in the case of certain major life setbacks. For more information on any of these products, please call 415-775-5377.
Some of our lending products, like closed-end loans, are available to non-permanent U.S. residents, contingent upon review of current work permit/visa. Certain loan terms will be determined by visa/permit expiration.
Decisions surrounding a purchase as large as a car need to be made with careful research and consideration. There are pros and cons on both sides of the fence here. Your final decision, though, will depend on your budget, personal preferences, and particular needs. To simplify your job, we’ve outlined the pros and cons of each purchase type here.
*Annual Percentage Rates. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. Financing is available only on vehicles with 100,000 miles or fewer. As of the date of this disclosure, the Prime Rate is 6.75% APR as of 01/01/2026.