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

family loading car for trip with kids in the center

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.

boat

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 2.74% - 18.00% 2.74% - 18.00% 3.49% - 18.00% 4.74% - 18.00%

 

Rates effective September 1, 2021

*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.

Disclaimer

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