AUTO LOANS
RATES & TERMS
Rates quoted are effective as of 4/18/2025 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
| Term2 | Range of Rates - New3 | Range of Rates - Used3 | Estimated Payment per $100 Borrowed3 |
|---|---|---|---|
| 36 months | 5.19% - 18.00% APR | 5.39% - 18.00% APR | $3.01 - $3.62 |
| 48 months | 5.19% - 18.00% APR | 5.39% - 18.00% APR | $2.31 - $2.94 |
| 60 months | 5.19% - 18.00% APR | 5.39% - 18.00% APR | $1.90 - $2.54 |
| 72 months | 5.44% - 18.00% APR | 5.59% - 18.00% APR | $1.63 - $2.28 |
| 84 months4 | 5.99% - 18.00% APR | 6.24% - 18.00% APR | $1.46 - $2.10 |
| Term2 | |
|---|---|
| 36 months | |
| Range of Rates - New3 | 5.19% - 18.00% APR |
| Range of Rates - Used3 | 5.39% - 18.00% APR |
|
Estimated Payment |
$3.01 - $3.62 |
| 48 months | |
| Range of Rates - New3 | 5.19% - 18.00% APR |
| Range of Rates - Used3 | 5.39% - 18.00% APR |
|
Estimated Payment |
$2.31 - $2.94 |
| 60 months | |
| Range of Rates - New3 | 5.19% - 18.00% APR |
| Range of Rates - Used3 | 5.39% - 18.00% APR |
| Estimated Payment per $100 Borrowed3 |
$1.90 - $2.54 |
| 72 months | |
| Range of Rates - New3 | 5.44% - 18.00% APR |
| Range of Rates - Used3 | 5.59% - 18.00% APR |
| Estimated Payment per $100 Borrowed3 |
$1.63 - $2.28 |
| 84 months4 | |
| Range of Rates - New3 | 5.99% - 18.00% APR |
| Range of Rates - Used3 | 6.24% - 18.00% APR |
| Estimated Payment per $100 Borrowed3 |
$1.46 - $2.10 |
First-Time Buyer New & Used Auto Loans1
| Term2 | Range of Rates - New3 | Range of Rates - Used3 | Estimated Payment per $100 Borrowed3 |
|---|---|---|---|
| 48 months | 7.99% - 18.00% APR | 8.59% - 18.00% APR | $2.44 - $2.94 |
| 60 months | 8.49% - 18.00% APR | 8.99% - 18.00% APR | $2.05 - $2.54 |
| Term2 | |
|---|---|
| 48 months | |
| Range of Rates - New3 | 7.99% - 18.00% APR |
| Range of Rates - Used3 | 8.59% - 18.00% APR |
|
Estimated Payment |
$2.44 - $2.94 |
| 60 months | |
| Range of Rates - New3 | 8.49% - 18.00% APR |
| Range of Rates - Used3 | 8.99% - 18.00% APR |
| Estimated Payment per $100 Borrowed3 |
$2.05 - $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
- 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.
- Maximum term based on various factors, including the amount financed.
- 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.
- Loan amount must be $25,000 or greater and vehicle must not be more than 5 model years old (current calendar year or 4 prior years); the model years for calendar year 2024 would be 2024, 2023, 2022, 2021 or 2020. Credit limits apply.