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 and free up some cash. Either way, we have auto financing options to make that happen.
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 effective are subject to change without notice. Rates are fixed for the life of the loan.
All loans subject to credit approval. Rates will depend on an individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and the other vehicle characteristics. Speak to a loan officer for details.
1Payment Example: Assuming a $5,000 auto loan for 48 months at 6.47% APR, the monthly payment will be $118.84.
2Payment Example: Assuming a $10,000 auto loan for 60 months at 6.47% APR, the monthly payment will be $196.06.
3Payment Example: Assuming a $15,000 auto loan for 72 months at 6.57% APR, the monthly payment will be $256.36.
4Payment Example: Assuming a $25,000 auto loan for 84 months at 6.67% APR, the monthly payment will be $374.36.
Used Autos: 2018 - 2024
| Term1 | APR* |
|---|---|
| 12 to 48 Months | 6.59% |
| Term2 | APR* |
|---|---|
| 49-60 Months | 6.59% |
| Term3 | APR* |
|---|---|
| 61-72 Months | 6.69% |
| Term4 | APR* |
|---|---|
| 73-84 Months | 6.79% |
*APR= Annual Percentage Rate. Rates effective are subject to change without notice. Rates are fixed for the life of the loan.
All loans subject to credit approval. Rates will depend on an individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and the other vehicle characteristics. Speak to a loan officer for details.
1Payment Example: Assuming a $5,000 auto loan for 48 months at 6.59% APR, the monthly payment will be $119.12.
2Payment Example: Assuming a $10,000 auto loan for 60 months at 6.59% APR, the monthly payment will be $196.64.
3Payment Example: Assuming a $15,000 auto loan for 72 months at 6.69% APR, the monthly payment will be $254.23.
4Payment Example: Assuming a $25,000 auto loan for 84 months at 6.79% APR, the monthly payment will be $375.84.
Classic & Older Autos: 2016-2017
| Term1 | APR* |
|---|---|
| 12-48 Months | 8.99% |
| Term2 | APR* |
|---|---|
| 49-60 Months | 9.14% |
*APR= Annual Percentage Rate. Rates effective are subject to change without notice.
All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.
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.
Other rates and terms are available.
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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.
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Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM
