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New and Used Auto Loans

Low rates are just the beginning.

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First car or next car, we make buying easier. 

 

Save time at over 600 CUDL dealerships where you can get financing conveniently on-site.

 

Ask for an Auto Convenience Check and use it like cash.1

 

Skip up to three payments over the life of your loan.2

 

Get financing for up to 130% of the car's value.3

 

Make no payments for the first 90 days.4

 

Your rate automatically drops by 0.50% every year you make on-time payments.5

Rates starting as low as

4.74 % APR

for new vehicles.†

Rates starting as low as

5.24 % APR

for used vehicles.†

AUTO LOAN RATES & TERMS
Walter M. Member Since 2009
WALTER M. MEMBER SINCE 2009

Getting Preapproved Puts You in the Driver’s Seat

With preapproved financing, you already know your budget and interest rate before stepping onto the lot. Since you're not dependent on the dealer's financing, you have more bargaining power on the price. Of course, if the dealership offers you better rates and loan terms, you’re free to accept their financing. If not, you can stick with the auto loan you already have, knowing you have the best deal. Once you find and purchase your new car they'll send the loan documents to us.

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Shop at Top Dealerships

Our partnership with the FastTrack network gives you access to more than 600 California dealerships, including Honda, Toyota and Ford. And because the dealers have access to your preapproval, they can quickly process your financing once you find the car you want and are ready to buy.

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Darlene J. Member Since 1980
Darlene J. MEMBER SINCE 1980

Make Sure You're Covered for Any Situation

By adding these extra protections to your loan, you'll have peace of mind as soon as you get behind the wheel of your new car.

Explore Our Auto Loan Options

  • FastTrack: Easy SchoolsFirst FCU financing and a network of more than 600 dealerships.
  • Enterprise Car Sales: Quality used cars inspected by certified technicians.
  • Autoland: A personal consultant will do the shopping for you.
  • TrueCar: Get upfront pricing and see what other buyers have paid.
  • Auto Insurance: We do the work for you to find the right coverage at the best price.
  • GAP Plus: May help cover the difference between your insurance coverage and loan balance if your car is totaled or stolen.
  • Mechanical Repair Coverage: Covers the cost of some unexpected car repairs as your car ages.
  • MexiPass: Special coverage if you drive your car to Mexico.
AUTO LOAN RATES & TERMS
Forbest Best-in-State Credit Unions award logo, 2025.

Seven Years in a Row

For seven consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

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Successfully Navigate Today's Car Market

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How to Buy a Car in Today's Market

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Calculate Your Car Loan Payment

CALCULATOR

Get the Right Auto Insurance Coverage

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Locations

We offer over 70 branches in California and 30,000+ ATM locations.

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Disclosures
APR = Annual Percentage Rate. SchoolsFirst FCU has a loan program featuring a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 02/19/2026 and are subject to change without notice. All loans subject to approval. Terms and conditions are subject to change and may vary based on collateral conditions, qualification and creditworthiness.
  1. Restrictions apply.
  2. Subject to approval. Interest will continue to accrue during the skip payment period. Must have made the last 12 consecutive loan payments on time or, if "No Payment for 90 Days" was added, must have made nine consecutive loan payments on time. All loan and share accounts must be in good standing. Valid on select auto loans. Program subject to change or cancellation. Limited to one skip per 12 months.
  3. Financing not to exceed 130% of the Manufacturer’s Suggested Retail Price on new vehicles (Kelley Blue Book Suggested Retail Value on used vehicles) based on creditworthiness; and may include tax, license, documentation fees, GAP and Extended Warranty/MRC.
  4. Does not apply to the refinance of existing SchoolsFirst FCU auto loans or cash-out refinance loans and is nontransferable. The “90 day no payment” period cannot be combined with other payment skip programs to extend the first payment due date longer than 90 days from funding. Interest begins to accrue immediately and the 90 days of interest will be collected through the first payment. As a result, you may pay higher total finance charges on the loan than if payments began earlier.
  5. Not available on eligible loans approved at the lowest APR offered. Rate may be reduced by 0.50% APR increments after 12 consecutive on-time payments. Maximum rate reduction will not exceed lowest APR offered at the time of funding. Restrictions apply to the maximum number of rate reductions. Monthly payment will remain the same, with additional money applied as per the Loan and Security Agreement. This may shorten the term of the loan and total interest paid over the life of the loan.
  • APR = Annual Percentage Rate. All loans subject to approval. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.