We make financing a car easy, with a range of competitive rates to fit almost anyone's financial situation.

Today's rates

  • As low as APR for new vehicles.1
  • As low as 6.39% APR for used vehicles.1


Features of our auto loans

  • Enjoy low rates — consistently lower than banks — on loans for new and used cars.
  • Use it to finance a leased or private seller car.
  • Get financing for up to 130% of the car's value.2
  • Make no payments for the first 90 days.3
  • Choose a flexible term for a budget-friendly payment.4
  • Ask for an Auto Convenience Check (ACC) — a convenient way to fund your loan by simply writing a check to the franchise dealer, up to your approved loan amount.5
  • Automatically lower your rate by 0.50% for every year you make on-time payments.6

What you'll need

  • Be a SchoolsFirst FCU Member.
  • Submit a loan application and credit qualify.
  • Be 18 or older.



Log in to Online Banking to apply.


(800) 462-8328, ext. 6557

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.



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 07/21/2024 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. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.
  2. 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.
  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. Maximum term based on various factors, including the amount financed.
  5. Restrictions apply.
  6. Subject to eligibility. Rate may be reduced by up to 0.50% APR increments after 12 consecutive on-time payments. Maximum rate reduction will not exceed lowest APR offered at the time of funding and the maximum number of rate reductions are determined by eligibility. 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.

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