Auto Loans
Get behind the wheel with financing on your side
Whether you’re buying new or used, SBCFCU offers competitive auto loan rates, flexible financing, and local support from people who are here to help (not sell you a car).
Get pre-approved before you shop, refinance an existing auto loan, or see what your next payment could look like.
Auto Loans
Get behind the wheel with financing on your side
Whether you’re buying new or used, SBCFCU offers competitive auto loan rates, flexible financing, and local support from people who are here to help (not sell you a car).
Get pre-approved before you shop, refinance an existing auto loan, or see what your next payment could look like.
Competitive rates
Finance a new or used vehicle with competitive rates designed for SBCFCU members.
Get pre-approved
Know your financing options before you start shopping, so you can focus on finding the right vehicle.
Local support
Work with the SBCFCU team for help throughout the application and financing process.
Shop with confidence
Getting pre-approved before you start shopping can help you understand how much you may be able to borrow and what your financing could look like before you choose a vehicle.
With your financing lined up, you can focus on finding the right new or used vehicle, and walk into the dealership with a clearer picture of your budget.
Buying new or used?
SBCFCU offers financing for both new and used vehicles, so you can choose the vehicle that works for your needs and budget.
Already have an auto loan?
Refinancing could help lower your payment
If you financed your vehicle through a dealership, bank, or another lender, refinancing your auto loan with SBCFCU may help you lower your monthly payment, reduce your interest costs, or adjust your loan term.
We can help you compare your current loan with your refinancing options so you can decide whether making a change makes sense for you.
Estimate your auto loan payment
See what your potential monthly payment could look like before you apply. Use our auto loan calculator to explore different loan amounts, terms, and rates and find an option that fits your budget.
Why Choose SBCFCU
Local decisions
Your application is reviewed by people who understand our members and the local community.
Member-first pricing
As a member-owned credit union, SBCFCU offers auto financing designed around our members.
Support at every step
From pre-approval through payoff, our team is here to answer questions and help you understand your loan.
Today’s auto loan rates
Explore current SBCFCU rates and terms for new and used vehicle financing.
| Loan Type | Rates as low as | Terms & Information |
|---|---|---|
| NEW AUTO-UP TO 48 MONTH TERM » | 4.5% | APPLY FOR A PRE-APPROVAL |
| NEW AUTO-60 MONTH TERM » | 4.75% | APPLY FOR A PRE-APPROVAL |
| NEW AUTO-72 MONTH TERM » | 5% | APPLY FOR A PRE-APPROVAL |
| NEW AUTO-84 MONTH TERM » | 5.5% | APPLY FOR A PRE-APPROVAL |
| USED AUTO-UP TO 48 MONTH TERM » | 4.5% | DEALERSHIP, PRIVATE PARTY, LEASE BUYOUT, REFINANCE |
| USED AUTO-60 MONTH TERM » | 4.75% | DEALERSHIP, PRIVATE PARTY, LEASE BUYOUT, REFINANCE |
| USED AUTO-72 MONTH TERM » | 5% | DEALERSHIP, PRIVATE PARTY, LEASE BUYOUT, REFINANCE |
| USED AUTO-84 MONTH TERM » | 5.5% | DEALERSHIP, PRIVATE PARTY, LEASE BUYOUT, REFINANCE |
Common questions (FAQs)
Find answers to some of the most common questions about SBCFCU Auto Loans.
Ready to get started on an auto loan?
Whether you’re buying a new or used vehicle or refinancing an existing auto loan, SBCFCU is here to help you find financing that fits your needs and budget.