Auto Loans & Rates
Finance or refinance your vehicle at our low rates. Find a loan that fits your needs, whether new, used, RV, boat, or other.
New and Used Auto Loans
- Terms up to 84 months
- Fixed low rates
- Up to 125% financing plus tags, taxes, title, dealer prep, trade, gap and extended warranty
- Financing available for members residing overseas
- Convenient Auto Express Check to take with you to the dealer
- No early payoff penalties
Boats, RV and Other Vehicle Loan
- No restriction on boat length
- Fixed low rates
- Financing of up to 100% and low money down
- Financing for up to 144 months on boats used as primary residence (minimum value at $25,000)
Already Applied? Check Application Status.
Related Article:
How to Refinance A Car Loan
Refinancing your car is easier than you might think.
Auto & Other Vehicle Loan Rates
| Products | Up to 36 Months APR* | 37 to 48 Months APR* |
49 to 60 Months APR* |
61 to 72 Months APR* |
73 to 84 Months ($25,000) APR* |
|---|---|---|---|---|---|
| New Auto/Boat | 1.99% - 18.00% | 2.24% - 18.00% | 2.24% - 18.00% | 2.99% - 18.00% | 4.24% - 18.00% |
| Used Auto/Boat | N/A | 2.59% - 18.00% | 2.59% - 18.00% | 3.34% - 18.00% | 4.59% - 18.00% |
Rates effective April 1, 2022
*Annual Percentage Rate (APR) based on evaluation of applicant's credit. Your actual APR will be within the stated range and will be disclosed at the time of disbursement. Unless otherwise stated rates subject to change monthly. Classic/Antique vehicles are financed as personal loans at personal loan rates.
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Disclaimer
Call 800-296-8882 or 703-506-5000 to speak with an SDFCU member service representative.