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First-Time Auto Buyer Loan

Great rates, flexible terms.

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Build credit, get a competitive rate and an affordable monthly payment.

 

Borrow up to $30,000.

 

Use an Auto Convenience Check and shop like a cash buyer.1

 

Get financing for up to 130% of the car's value.2

 

Make no payments for the first 90 days.3

 

Skip up to three payments over the life of your loan.4

 

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

Rates starting as low as

6.99 % APR

for new vehicles.†

Rates starting as low as

7.99 % APR

for used vehicles.†

AUTO LOAN RATES & TERMS
GRISELDA M. MEMBER SINCE 2016

Great Rates and Terms, Experts on Your Side

Buying a new car should be fun — not stressful — and you should feel confident you’re getting a great deal. That’s why we offer auto loans with competitive interest rates, no hidden fees and predictable monthly payments. We show you how much you can borrow: a preapproved amount along with your rate and flexible terms to pay it back. We’re here to help you make the most of your money, build a good credit history and work toward your other financial goals.

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Car Buying Made Easy

When you get financing with us, you'll get up to $30,000 on a new or used car on a loan term up to five years (see rates and disclosures). With preapproved financing in place, you know what you can afford and won’t be pressured to taking a deal that might not work in your favor. Of course, if you find better terms, you're free to switch.

Finally, you don’t have to go it alone. We offer car buying services that match you with your shopping style — online, at a top dealer or working with a consultant who will find the car you’re looking for — no haggling.

Providing great service comes with a few gold stars.

J.D. Power

No. 1 Credit Union for Member Banking Satisfaction

Forbest Best-in-State Credit Unions award logo, 2025.

Forbes' Best-In-State
Credit Unions 2025

Voted Best Credit Union in California for Seven Years

Recognition: Newsweek - Best Banks and Credit Unions

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America’s Best
Regional Banks and Credit Unions

Recognition: LA Times - Top Credit Unions in Southern California

Los Angeles Times

#1 Credit Union in SoCal

Recognition: OC Register Best of Orange County 2025 - Best Credit Union

The Orange County Register

Readers’ Choice Awards
Best Credit Union in Orange County

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Readers’ Choice Awards
Best Credit Union in the Greater Sacramento Region

Press-Enterprise

Readers’ Choice Awards
Favorite Credit Union
in the Inland Empire

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Readers’ Choice Awards
Best Credit Union
in Gardena and Torrance

Recognition: Coachella Valley Independent - Best Credit Union in the Coachella Valley

Readers' Picks

Best Credit Union in Coachella Valley

Daily News

Readers’ Choice Awards
Favorite Credit Union in Pasadena

People's Choice Awards Best Credit Union in Orangevale

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People's Choice Awards Best Credit Union in Orangevale

Successfully Navigate Today's Car Market

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How to Buy a Car in Today's Market

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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 10/31/2025 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. Loan amount not to exceed $30,000 and 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, whichever is less; and may include tax, license, documentation fees, GAP and Extended Warranty/MRC.
  3. 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.
  4. 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.
  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.