Thomas, Rugby Pro.
Up To
84
Zero
As Low As
6.47%
Maybe it's time to hit the streets with some new wheels. Or maybe you want to refinance your auto loan and free up some cash. Either way, we have auto financing options to make that happen.
We offer rate discounts on select vehicle loans when you set up Automatic Loan Payments. Rates shown are the lowest available (inclusive of 0.25% discount) for qualified borrowers on new and used car loans.
Quick and easy application
Once you're approved, search for the car of your dreams, whether it's a new car from a dealership or purchase from a private party.
Member Benefits
Finance up to 135% Vehicle Loan to Value
Learn more about Loan to Value
Dealership or Private Party Sales (in-CA only)
Ask for alternative financing options for out-of-state private party transactions.
Credit Union Direct Lending (CUDL)
Finance your loan at dealerships who participate in Credit Union Direct Lending (CUDL)
Refinance
Refinance non-SF Fire Credit Union loans, or existing SF Fire Credit Union loans, for lower payments.
Added Protection
Guaranteed Asset Protection (GAP) and Mechanical Breakdown Insurance (MBI) can be added to total amount financed.
Access to low interest funds
When you cash out paid off (or low loan balance) vehicle equity.
A few notes
We try to help out when we can, but sometimes we can't do everything. SF Fire Credit Union does not finance commercial-use vehicles, including Uber, Lyft, and limo services.
New & Used Auto Loans have an 80k max-mileage. 100k max for Early & Classic.
New Autos: 2025 or Newer
| Term1 | APR* |
|---|---|
| 12 to 48 Months | 6.47% |
| Term2 | APR* |
|---|---|
| 49-60 Months | 6.47% |
| Term3 | APR* |
|---|---|
| 61-72 Months | 6.57% |
| Term4 | APR* |
|---|---|
| 73-84 Months | 6.67% |
*APR = Annual Percentage Rate. Rates shown are the lowest available rates for qualified borrowers and include a 0.25% discount for Automatic Loan Payments. If Automatic Loan Payments are not established prior to the first payment date or cancelled at any time during the life of the loan, the interest rate will increase by 0.25%. The discount will not reduce the amount of the loan payment; loan payments are calculated based on the non-discounted rate. Once removed, the discount cannot be reinstated.
New and Used Auto loan rates effective May 16th, 2025. Rates are subject to change without notice. Rates will depend on an individual’s credit. All loans are subject to credit approval. Additional terms and conditions may apply.
1Payment Example: Assuming a $10,000 new auto loan for 48 months at 6.12% APR, the monthly payment will be $235.99.
2Payment Example: Assuming a $15,000 new auto loan for 60 months at 6.12% APR, the monthly payment will be $291.56.
3Payment Example: Assuming a $20,000 new auto loan for 72 months at 6.22% APR, the monthly payment will be $334.38.
4Payment Example: Assuming a $25,000 new auto loan for 84 months at 6.32% APR, the monthly payment will be $370.01.
Payment estimates are based on the 1st payment due date 45 days from origination and DO NOT include the .25% Automatic Payment Discount.
Used Autos: 2018 - 2024
| Term1 | APR* |
|---|---|
| 12 to 48 Months | 6.24% |
| Term2 | APR* |
|---|---|
| 49-60 Months | 6.24% |
| Term3 | APR* |
|---|---|
| 61-72 Months | 6.34% |
| Term4 | APR* |
|---|---|
| 73-84 Months | 6.44% |
*APR = Annual Percentage Rate. Rates shown are the lowest available rates for qualified borrowers and include a 0.25% discount for Automatic Loan Payments. If Automatic Loan Payments are not established prior to the first payment date or cancelled at any time during the life of the loan, the interest rate will increase by 0.25%. The discount will not reduce the amount of the loan payment; loan payments are calculated based on the non-discounted rate. Once removed, the discount cannot be reinstated.
New and Used Auto loan rates effective May 16th, 2025. Rates are subject to change without notice. Rates will depend on an individual’s credit. All loans are subject to credit approval. Additional terms and conditions may apply.
1Payment Example: Assuming a $10,000 auto loan for 48 months at 6.24% APR, the monthly payment will be $236.55.
2Payment Example: Assuming a $10,000 auto loan for 60 months at 6.24% APR, the monthly payment will be $292.41.
3Payment Example: Assuming a $15,000 auto loan for 72 months at 6.34% APR, the monthly payment will be $335.54.
4Payment Example: Assuming a $25,000 auto loan for 84 months at 6.44% APR, the monthly payment will be $371.48.
Payment estimates are based on the 1st payment due date 45 days from origination and DO NOT include the .25% Automatic Payment Discount.
Classic & Older Autos: 2016-2017
| Term1 | APR* |
|---|---|
| 12-48 Months | 8.79% |
| Term2 | APR* |
|---|---|
| 49-60 Months | 8.94% |
* APR = Annual Percentage Rate. Rates are subject to change without notice. Rates will depend on an individual’s credit. All loans are subject to credit approval. Additional terms and conditions may apply.
1Payment example: Classic auto loan of $5,000 for four years at 8.79% APR will have a monthly payment of $124.00.
2Payment example: Classic auto loan of $10,000 for five years at 8.94% APR will have a monthly payment of $207.00.
Payment estimates are based on the 1st payment due date 45 days from origination.
Other rates and terms are available.
Discover More
Hannah & Martin, SFUSD supporters.
BUYING A CAR
6 easy steps for buying a car
Whether you are looking at new or used cars, buying a car is a big purchase.
Learn More
Jeanne, marathoner and coach.
MECHANICAL BREAKDOWN INSURANCE
Coverage you can count on
Don't let car troubles stall your plans. Be prepared with out Mechanical Breakdown Insurance
Learn More
Let's Talk
As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.
Stop by a branch
Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM
