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Vehicle Loan Rates & Terms (Rate Sheet)

 

 

 

Vehicle Loan Rates & Terms

 

Rates quoted are effective as of date 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, visit our website at schoolsfirstfcu.org or call 800.462.8328.

 

New1 & Used2 Auto Loans
Term Range of Rates - New Range of Rates - Used Estimated Payment per $100 Borrowed3
36 months 2.44%3 - 18.00% APR 2.44%3 - 18.00% APR

$2.88 - $3.62

48 months 2.44%3 - 18.00% APR 2.44%3 - 18.00% APR

$2.19 - $2.94

60 months 2.44%3 - 18.00% APR 2.44%3 - 18.00% APR

$1.77 - $2.54

72 months 2.74%3 - 18.00% APR 2.74%3 - 18.00% APR

$1.51 - $2.28

84 months 3.54%3 - 18.00% APR Not available

$1.35 - $2.10

 

 

First-Time Buyer New1 & Used2 Auto Loans
Term Range of Rates - New Range of Rates - Used Estimated Payment per $100 Borrowed
48 months 4.89%3 - 18.00% APR 4.89%3 - 18.00% APR

$2.30 - $2.94

60 months 5.15%3 - 18.00% APR 5.15%3 - 18.00% APR

$1.89 - $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.

1Maximum loan is 100% of the Manufacturer Suggested Retail Price or the purchase price, whichever is less, plus tax, license, documentation fees, GAP Plus, and extended warranty/MRC.
2Maximum loan is 100% of the Kelley Blue Book Suggested Retail Value or the purchase price, whichever is less, plus tax, license, documentation fees, GAP Plus, and extended warranty/MRC.
3Lowest 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.

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