Vehicle Loans

Loan Features

No Payments for 90 Days*
Up to 100% Financing Available
Competitive Rates, as low as 0.99% APR
Flexible Loan Terms, up to 96 months
Affordable Payments
Skip-A-Pay Program option available

Member Benefits

New & Used Autos

We can pre-approve your new or used auto loan before you go car shopping, which will put you in the driver’s seat when negotiating price. Because you’ll know exactly what you can afford, you’ll be able to better choose the right car with the right features at the right price. Get added buying power by contacting a branch, calling 415-775-5377 or applying online today.

Hybrid/Electric Car Special

To support our environment, we are offering 1.00% off published loan rates on new loans for hybrid/electric cars. Please note: Rates cannot be lower than 0.99% APR. This promotion is not available for internal refinanced loan applications. Ask us for details!

Read this before you shop for an electric car.

Refinance Your Auto

If you have an auto loan from another financial institution, contact us about lowering your monthly payment with our EZ refinance auto loan program.
Learn More About Auto Loans

RV and Boat Loans

Don’t let financing hold you back from getting out and exploring the great outdoors, whether by boat or recreational vehicle (motor home or travel trailer). Finance your purchase with San Francisco Federal Credit Union for a low-interest way to reach your dreams.
Learn More About RV & Boat Loans

Motorcycle Loans

Whether you’re looking for new, used, rugged or sporty motorcycle, we’ve got your back. You stick to picking out the perfect motorcycle to cruise in style, and we’ll help make the finances a reality.
Learn More About Motorcycle Loans

Rates

Consumer Vehicle Loan Products

New Auto 2022 and Newer and Less than 5k Miles
Term	As Low As APR¹ %
1-12 Months	0.99%
13-36 Months	2.74%
37-48 Months	2.99%
49-60 Months	2.99%
61-72 Months	3.49%
73-84 Months	3.99%
85-96 Months	6.49%

Last Updated: 05/23/2022

Used Auto 2010 or Newer
Term	As Low As APR¹ %
1-12 Months	1.99%
13-36 Months	3.24%
37-48 Months	3.49%
49-60 Months	3.74%
61-72 Months	4.24%
73-84 Months	4.49%
85-96 Months	6.99%

Last Updated: 05/23/2022

Classic Cars 2007 and Older
Term	As Low As APR¹ %
1-12 Months	4.99%
13-36 Months	5.99%
37-48 Months	6.24%
49-60 Months	6.49%
61-72 Months	6.74%
73-84 Months	7.49%
85-96 Months	9.49%

Last Updated: 05/23/2022

View Consumer Lending Rates PDF

¹Annual 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 less. As of the date of this disclosure, the Prime Rate is 3.50%.

*This offer is not valid on internal refinancing.

Car Loan FAQs

Can I get pre-approved before I go car shopping?

Many of our members get pre-approved for an auto loan before they start shopping for the new automobile or truck. Get added buying power by contacting a branch, calling 415-775-5377 or apply online today. Talk to our loan experts and get pre-approved for a loan amount that works for you.

Do you offer members a discount on car insurance, or any extended coverage?

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.

I need a new set of wheels and I’m wondering if it’s better to spring for a new vehicle or to go the cheaper route and buy a used vehicle. What do I need to know about each kind of purchase?

Any decision surrounding a purchase as large as a car needs 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 make your job a little easier, we’ve outlined the pros and cons of each purchase type here.

Do you provide an opportunity for me to extend beyond standard auto insurance coverage?

Yes, you can extend your warranty with Mechanical Breakdown Insurance (MBI). You may also 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.

Is it smarter to buy a new vehicle or go the less expensive route and buy used? What do I need to know about each type of purchase?

Any decision surrounding a purchase as large as a car needs to be made with careful research and consideration. There are pros and cons on both sides of the fence. Your final decision, though, will depend on your budget, personal preferences and particular needs. To make your job a little easier, we’ve outlined the pros and cons of each purchase type.

Do you offer lending to non-permanent U.S. residents?

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.

Contact Us for more information or call 415.775.5377

Member Reviews

5 stars
“Best Bank Ever!!! Staff are so helpful and make you feel like they’ve known you forever. I have never encountered a banking problem or situation that the SFFCU team hasn’t found a way to help solve! I wish there was a branch in San Jose but I’ve only had to travel to my actual branch about 5-6 times in my 25 years of being a member! Online services are so appreciated!”
“I joined many years ago…There’s nothing I don’t like about them…It’s like a family. And because they offer an exceptionally new and used vehicle buying program that includes motorboats [and] motorcycles. They are kind and considerate.”
Rosalinda R.

5 stars
“LOVE the SF Fed Credit Union. Have had two car loans with them. I just got a personal loan…Easy peasy and I got my $12K in just a few days! Can’t recommend getting an account here more. Thanks, SF Fed Credit Union!”
Beth A.

5 stars
“The branch representative has been so helpful and supportive with me and my financial needs. She helped me save money by refinancing my vehicle. Thank you for all your help!”
Fidel P.

5 stars
“Requested an auto loan thru SFFedCU. Worked with a loan specialist who contacted me quickly after a request thru my app. The whole process was quick, easy, and simple. We were in a time crunch due to my vehicle delivery schedule, and he made it work and had a check ready for me the next day to pick up!!!! The whole experience was seamless. Would definitely recommend them for your banking or loan needs. Great customer service!!!”
Herman W.

5 stars
“I’ve been a member of SFFCU since 2018 for my car financing needs. I trade cars often, and the level of service is constant every time. With the current state of the car industry vehicle chip shortage, supply is limited but demand is high. From the time I initiated an application to loan funding was less than 24 hours. Their timely response was impeccable. The branch representative went out of their way and put their member first, not the dealer. In a world where dealers always look at their self-interest and not the customers, it’s nice to know that you can count on SFFedCU to have your back. Oh — the rates are the best around too :)”
Donny M.

5 stars
“The Van Ness Branch Representatives are the best! They are incredibly helpful and are always extremely friendly and welcoming. I cannot say that I’ve ever belonged to a bank or any financial institution that I actually enjoyed visiting before SFFedCU.”
Mandy Z.

5 stars
“Great experience refinancing my auto loan through SF credit union. Crazy low rates –How do they make money? This was my first refinance. The Credit Union representative patiently explained the process and found a way to work with me as I purchased the car from an independent used car lot. My only critique is that establishing bill pay through their website was a little cumbersome.”
Frank L.

5 stars
“I just want to say how helpful the Golden Gate branch manager was. Whenever I need assistance, he does an amazing job responding in a timely manner. He makes sure that things that needed to finish, be executed in a professional and prompt manner. I opened my account in Ocean Branch but I feel like I get more businesses done in this branch. Customer loyalty at its finest!”
Terry W.

5 stars
“Branch services have been so helpful and supportive with me and my financial needs. The branch representative helped me save money by refinancing my vehicle. Thank you for all your help.”
Tommy L.

5 stars
“We have been long-time members of SF Federal Credit Union. We couldn’t be happier with our service! Most recently the branch representative helped us finance a new car. She was a total professional. She was prompt, responsive, and extremely helpful. Thank you, for helping us get a new car! Also, the rates were best in the state don’t miss out on these amazing interest rates.”
Lisa F.

5 stars
“I’ve been a member of SFFCU for more than a year and every time I needed something, they always deliver. I would like to commend the loan department and credit union representative for their promptness and excellent customer service. Recently, I refinanced my auto loan with their assistance. It was the fastest transaction I’ve ever experienced! Everything was completed within 24 hours. Couldn’t be happier with their service. I would highly recommend SFFCU to anyone!”
Joyce P.

5 stars
“Love my credit union, easy to navigate and the loan officer assisted with my loan made it easy!”
David L.

5 stars
“Hi for those of you looking for a good bank, I have a great one for you. I have been banking with the San Francisco Federal Credit Union on 8th Ave., S.F. for more than 20 years. Over the years, I have had many auto loans which went without a hitch. Recently, I had to wire funds which was very time sensitive. The branch manager, and I worked together making sure all information was complete and correct, along with the great assistance from others at the Branch. It went perfectly. The staff and management have always been helpful and informative, answering any questions I may have. Always greeted with a smile when I walk in, I am a lifer with the SFFCU, especially with the 8th Ave. branch! Thank you!”
Eugene F.

5 stars
“Last month we decided to bank locally and refinance our car. It was a seamless experience because the branch manager helped us. The representative was knowledgeable, and most of all responsive. He helped us get the lowest possible car refinancing APR and even walked us through the process of setting up the bank application including guiding us how to utilize it. After completing all our transactions (checking, savings, credit card and car refinance), we most certainly had thought the relationship would end there, but after a few weeks, I returned to make a deposit and the branch manager to be at the teller, quickly recognizing and greeted by name. So far, my experiences have been very positive and I will definitely recommend this bank to my friends and family. Truly feels like a local community bank.”
Nikkie V.

5 stars
“I would highly recommend the Branch Manager. They helped me refinance my car and helped me bring my fico score up. I got a loan with very low-interest rates. Thank you so much for all the patience and great job!”
Tucker M.

5 stars
“I needed help with a personal loan and the Branch Manager at the Lakeside branch was instrumental in getting it approved, all on a late Friday afternoon! They interfaced with the underwriter to get the loan approved. They patiently answered all my questions and went above and beyond getting it finalized as quickly as possible. I am thankful for their diligence and knowledge in getting my loan processed! Thank you!”
Kenzie B.

5 stars
“The Bank Associates are amazing to work with. They’re professional and answered all of questions about my vehicle loan. I highly recommend them. Just give them a call and they’ll be happy to work with you or refer you to a colleague if needed.”
Skyler M.

5 stars
“SFFCU has been absolutely amazing to work with, especially the Bank Associates. They were prompt and responsive and the rates in getting a car loan were crazy competitive. The Bank Associate worked hard after I was already approved to get me a new lower rate that was being offered. I can’t say enough good things about my experience and I will definitely work more with them in the future.”
Cameron S.

5 stars
“I just got a car loan from SFFCU and I couldn’t be happier. Great rate and amazing service from the loan officers. Thank you Bank Associates, you are awesome. It was really easy to work with them with no stress at all. The rate I got was far better than the one that Tesla was offering. The EV discount is such a great Incentive.”
Holly P.

5 stars
“The Burlingame Branch Manager is so beyond helpful! He is very responsive and always gets back to us in a timely manner. He always helps solve any issues that arise with mine and my family’s bank accounts. I highly recommend him to help with any account needs!”
Norma G.

5 stars
“I just wanted to take a moment to say how thankful we are for the Bank Representative helping us with our auto refinancing. While the process was long and difficult, she did everything to make us feel like we were on the right track. Consistently checking with us and providing information on each step she was taking. Thank you for walking us through the process!”
Scott C.

5 stars
“The Golden Gate Branch Manager is very friendly, kind, & has a great sense of humor. He made my time go by super quick while helping me set up a new account! Thank you.”
Kathryn J.

5 stars
“I finally decided to open an account with SF Federal Credit Union. The Branch Manager assisted me yesterday with everything I needed. Friendly and a great sense of humor.”
Stephanie V.

5 stars
“I have been a customer of this credit union for over 30 years. Recently, I had the pleasure of working with the Burlingame Branch Manager. She helped me get a car loan. Not only was she professional and efficient but she made sure I got the best rate that was available. People like her make me a happy customer at SF Federal Credit Union.”
Leo P.