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

Apply Now 

Already Applied? Check Application Status

couple buying a car with a SDFCU loan

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)

Apply Now 

Already Applied? Check Application Status.


family on boat

Related Article:

How to Refinance A Car Loan

Refinancing your car is easier than you might think.

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Auto & Other Vehicle Loan Rates

Products Up to 36 Months APR* 37 to 48 Months
49 to 60 Months
61 to 72 Months
73 to 84 Months
($25,000) APR*
New Auto/Boat 2.49% - 18.00% 2.74% - 18.00% 2.99% - 18.00% 3.49% - 18.00% 4.74% - 18.00%
Used Auto/Boat N/A 3.09% - 18.00% 3.34% - 18.00% 3.84% - 18.00% 5.09% - 18.00%


Rates effective August 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.


Call 800-296-8882 or 703-506-5000 to speak with an SDFCU member service representative.