Auto Loan Preapproval

Use it to buy or refinance.

DEBBIE P. AND FAMILY MEMBER SINCE 2004

The benefits of being preapproved for an auto loan

No application needed — start shopping for your car today.

Instantly know your approved rate and loan amount.

Easy financing when you shop with FastTrack.

Ask for an Auto Convenience Check and use it like cash.¹

You could save money by refinancing from another lender.

Make no payments for the first 90 days.²

Angela M. MEMBER SINCE 1981

Spend Less Time at the Dealership

The easiest way to buy your car is with FastTrack, a network of over 600 Credit Union Direct Lending affiliated dealers. They have access to your preapproval so you can conveniently finance your car on-site.

Take these steps:

Find a FastTrack dealer and shop for your car.
Visit the dealer and let them know you're preapproved.
The dealer will send your loan documents to us.

FIND A DEALER

Marcus S. MEMBER SINCE 2016

A Preapproval Could Help You Save

If you have an auto loan with another lender, you can use your preapproval to refinance with us. You may be able to lower your rate and payment. To refinance, you'll need:

Your current loan information.
Your vehicle registration.
A completed Authorization for Payoff form.

Once you have everything you need, get in touch with us.

Explore Our Auto Loan Options

FastTrack: Easy SchoolsFirst FCU financing and a network of more than 600 dealerships.
Enterprise Car Sales: Quality used cars inspected by certified technicians.
Autoland: A personal consultant will do the shopping for you.
TrueCar: Get upfront pricing and see what other buyers have paid.

Auto loans with rates as low as 5.19% APR for new vehicles,^† 5.39% APR for used vehicles.^†
Finance a leased or private seller car.
Refinance an existing auto loan.
Cancel your monthly payments if you become disabled or involuntarily unemployed with Payment Shield Plus.

Auto Insurance: We do the work for you to find the right coverage at the best price.
GAP Plus: May help cover the difference between your insurance coverage and loan balance if your car is totaled or stolen.
Mechanical Repair Coverage: Covers the cost of some unexpected car repairs as your car ages.
MexiPass: Special coverage if you drive your car to Mexico.

AUTO LOAN RATES & TERMS

Successfully Navigate Today's Car Market

Two business persons sitting on a couch view a laptop.

How to Buy a Car in Today's Market

Calculate Your Car Loan Payment

CALCULATOR

Get the Right Auto Insurance Coverage

LEARN MORE

Get Started

Check for a preapproval in Online Banking.

VIEW OFFERS

Call

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 6522

Locations

We offer over 70 branches in California and 30,000+ ATM locations.

FIND A BRANCH OR ATM

Disclosures

SchoolsFirst FCU has a loan program featuring a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 04/23/2025 and are subject to change without notice. Terms and conditions are subject to change and may vary based on collateral conditions, qualification and creditworthiness.

Restrictions apply.
Does not apply to the refinance of existing SchoolsFirst FCU auto loans or cash-out refinance loans and is nontransferable. The “90 day no payment” period cannot be combined with other payment skip programs to extend the first payment due date longer than 90 days from funding. Interest begins to accrue immediately and the 90 days of interest will be collected through the first payment. As a result, you may pay higher total finance charges on the loan than if payments began earlier.

APR = Annual Percentage Rate. All loans subject to approval. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.