AUTO LOANS

RATES & TERMS

Rates quoted are effective as of 6/1/2023 and are subject to change without notice.

SchoolsFirst FCU's loan program features 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. Loan terms are based on various factors, including the amount financed.

All loans subject to credit approval and all auto-related products subject to eligibility requirements.

For more information call (800) 462-8328.

New & Used Auto Loans1

Term Range of Rates - New2 Range of Rates - Used2 Estimated Payment per $100 Borrowed2
36 months 5.24% - 18.00% APR 5.74% - 18.00% APR $3.01 - $3.62
48 months 5.24% - 18.00% APR 5.74% - 18.00% APR $2.31 - $2.94
60 months 5.24% - 18.00% APR 5.74% - 18.00% APR $1.90 - $2.54
72 months 5.39% - 18.00% APR 5.89% - 18.00% APR $1.63 - $2.28
84 months 5.99% - 18.00% APR Not Available $1.46 - $2.10
Term
36 months
Range of Rates - New2 5.24% - 18.00% APR
Range of Rates - Used2 5.74% - 18.00% APR

Estimated Payment
per $100 Borrowed2

$3.01 - $3.62
48 months
Range of Rates - New2 5.24% - 18.00% APR
Range of Rates - Used2 5.74% - 18.00% APR

Estimated Payment
per $100 Borrowed2

$2.31 - $2.94
60 months
Range of Rates - New2 5.24% - 18.00% APR
Range of Rates - Used2 5.74% - 18.00% APR
Estimated Payment
per $100 Borrowed2
$1.90 - $2.54
72 months
Range of Rates - New2 5.39% - 18.00% APR
Range of Rates - Used2 5.89% - 18.00% APR
Estimated Payment
per $100 Borrowed2
$1.63 - $2.28
84 months
Range of Rates - New2 5.99% - 18.00% APR
Range of Rates - Used2 Not Available
Estimated Payment
per $100 Borrowed2
$1.46 - $2.10

First-Time Buyer ​New & Used Auto Loans1

Term Range of Rates - New2 Range of Rates - Used2 Estimated Payment per $100 Borrowed2
48 months 7.69% - 18.00% APR 8.19% - 18.00% APR $2.43 - $2.94
60 months 7.95% - 18.00% APR 8.45% - 18.00% APR $2.03 - $2.54
Term
48 months
Range of Rates - New2 7.69% - 18.00% APR
Range of Rates - Used2 8.19% - 18.00% APR

Estimated Payment
per $100 Borrowed2

$2.43 - $2.94
60 months
Range of Rates - New2 7.95% - 18.00% APR
Range of Rates - Used2 8.45% - 18.00% APR
Estimated Payment
per $100 Borrowed2
$2.03 - $2.54

Other Related Products

  • Auto Insurance through SchoolsFirst Insurance Services (CA Insurance License 0I19344): We'll help you find reliable coverage at an affordable price, with free, quick and easy quotes from top carriers.
  • MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP) Plus: Designed to cancel the difference between what your insurance company pays you and your outstanding loan balance, if your vehicle is declared a total loss. Also, it may take $1,000 off your next loan with us, when you purchase a replacement vehicle.
  • MEMBER'S CHOICE® Mechanical Repair Coverage (MRC): Helps you manage your vehicle repair expenses.
  • Payment Shield Plus: Designed to cancel your loan payment(s) or balance, if you experience unemployment, disability, or loss of life.

Disclosures

  1. 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.
  2. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Lowest payment factors based on the lowest rate quoted; highest payment factors are based on the highest rate quoted.