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Dealer Rebate Information
When car manufacturers and dealers offer super low rates, they almost always give the option of getting a rebate instead. Even though a 0% APR* may seem too good to pass up, an auto loan from SFCU combined with the dealer rebate is often the better deal! Here's an example:
| Dealer Financing | SFCU Loan | |
|---|---|---|
| With Us, You SAVE $ 1,450.28 | ||
| * Information shown is for illustration purposes only. | ||
| Loan Rate | 0% APR* | 5.75% APR* |
| Loan Term | 36 months | 36 months |
| Purchase Price | $ 20,000.00 | $ 20,000.00 |
| Down Payment/Trade | $ 0.00 | $ 0.00 |
| Auto Dealer Rebate | $ 0.00 | $3,000.00 |
| Loan Amount | $ 20,000.00 | $ 17,000.00 |
| Monthly Payment | $ 555.55 | $ 515.27 |
| Total Amount Paid | $ 20,000.00 | $ 18,549.72 |
Whether you choose 60 Months or 36 months you still save with SFCU!
As you can see, the cost of the below-market dealer financing is ultimately reflected in the final price you pay for the car. Don't forget, you can always opt for a longer loan term at SFCU, which will lower your payments even more.
Get PreApproved Online with LoanClick! For a super-fast pre-approval, go to LoanClick. You can complete your loan application online and get an answer in less than a minute! Print out the "Approval Screen", bring it with you when you shop, and you'll have more leverage when it's time to negotiate price!
* APR means Annual Percentage Rate. SFCU Rate is variable and includes a 1/2% rate discount for automatic payments. Rates are subject to change. Visit www.sfcu.org/home/rates/loans for current rates.
