Car hatch open with beach toys parked on beach.

School Employee Auto Loan

Enjoy a payment-free summer.¹

APPLY NOW JOIN NOW

Skip up to two monthly payments with no impact to your credit score.¹

Available for auto loans with terms of 60 months or less (see rates and disclosures).

Qualified school employees can skip one or two consecutive auto loan payments during the summer months.¹

Monthly payments stay the same, but loan term is extended and interest still accrues during months off.

Get financing for up to 130% of the car's value.²

Make no payments for the first 90 days.³

Your rate automatically drops by 0.50% every year you make on-time payments.⁴

Rates starting as low as

5.69 % APR

for new vehicles.^†

Rates starting as low as

5.79 % APR

for used vehicles.^†

AUTO LOAN RATES & TERMS

BEATICE J. MEMBER SINCE 2003

Stress-Free Car Buying for School Employees

As a school employee, summers are meant for relaxing before a new school year begins. That's why we offer products and services designed to do just that. Finance your next car with us and get competitive rates, loan terms to fit your budget — and best of all — summers off. Choose to skip up to two months consecutively — June through August.¹ Best of all, skipping payments won't hurt your credit.

APPLY NOW

Before You Shop, Get Preapproved^†

With a preapproval in hand, you're in the driver's seat, because you'll have your rate and loan terms in place before you even start shopping. Next, use an auto convenience check to fund your loan and shop like a cash buyer — no surprises. Then write a check to the dealer up to your approved loan amount.⁵

GET PREAPPROVED

Find, Finance and Insure Your Car

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 5.69% APR for new vehicles,^† 5.79% APR for used vehicles.^†
Finance a leased or private seller car.
Refinance an existing auto loan.
Pause your monthly payments if you become disabled or unemployed with Payment Shield Plus.

Auto Insurance: We do the work for you to find the right coverage at the best price.
GAP Plus: Additional protection to cover your car's value if your car is damaged beyond repair.
Mechanical Repair Coverage: Provides covered repairs for new and used eligible vehicles after your warranty expires.
MexiPass: Special coverage if you drive your car to Mexico.

AUTO LOAN RATES & TERMS

Six Years in a Row

For six consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

How to Buy a Car in Today's Market

Calculate Your Car Loan Payment

CALCULATOR ›

Get the Right Auto Insurance Coverage

LEARN MORE ›

Locations

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

FIND A BRANCH OR ATM

Get Started

APPLY ONLINE

Not a Member?

Joining SchoolsFirst FCU is quick and easy. Apply for Membership today.

JOIN NOW

Disclosures

Restrictions apply. Interest will continue to accrue during the skip payment period.
Financing not to exceed 130% of the Manufacturer's Suggested Retail Price on new vehicles (Kelley Blue Book Suggested Retail Value on used vehicles) based on creditworthiness; and may include tax, license, documentation fees, GAP and Extended Warranty/MRC.
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.
Subject to eligibility. Rate may be reduced by up to 0.50% APR increments after 12 consecutive on-time payments. Maximum rate reduction will not exceed lowest APR offered at the time of funding and the maximum number of rate reductions are determined by eligibility. Monthly payment will remain the same, with additional money applied as per the Loan and Security Agreement. This may shorten the term of the loan and total interest paid over the life of the loan.
Restrictions apply.

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.