Vehicle Loans

Vehicle loans for the daily commute or to escape the daily grind

From home to work to errands to family outings. You demand a lot from your vehicle, so demand more from your loan—like lower rates and terms that fit your budget. And when you're ready to get out and play, we can make it more affordable, whether you go fast to have fun or slow down to chill out.

We're talking loans for cars, trucks, SUVs and vans, plus motor homes, motorcycles and motor boats
Lock in financing up to 125%, including tax and license
Take up to 90 days before you ever have to make your first payment
We're not charging you an application fee or early payoff penalty—that's just wrong
Enjoy a 1% rate discount with your Ambassador relationship

Vehicle Loan Rates

Effective Date: 5/11/26
Account Description	Maximum Term	Annual Percentage Fixed Rate As Low As*
New & Used Auto (Vehicles 7 model years or newer with less than 75K miles)	0 to 60 Months	4.99%
	61 to 84 Months (20K minimum)	5.12%
Classic Auto	0 to 36 Months	6.99%
New & Used RV	0 to 60 Months	6.99%
	61 to 84 Months	7.12%
	85 to 144 Months	9.12%
New & Used Motorcycle	0 to 60 Months	6.99%
New & Used Boat	0 to 60 Months	6.99%
	61 to 84 Months	7.12%
	85 to 144 Months	9.12%

All loans subject to credit approval and membership eligibility. Vehicles must be purchased from a franchise dealer in the state you live in. Refinances are limited to CA residents. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

Maximum NEW auto loan amount is MSRP plus tax, license, documentation and recording fees, Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI). Maximum USED auto loan amount is average Kelley Blue Book plus tax, license, documentation and recording fees, Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI). LTV is based on risk tier.

Rates shown are for our highest credit tier plus an Ambassador Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates.

Terms up to 48 months – Vehicles must be less than 7 model years old (2020-2026+) with less than 75,000 miles, the minimum loan amount is $5,000.

Terms 49 to 60 months – Vehicles must be less than 5 model years old (2022-2026+) with less than 60,000 miles, the minimum loan amount is $10,000.

Terms 61 to 84 months – Vehicles must be less than 3 model years old (2024-2026+) with less than 36,000 miles, the minimum loan amount is $20,000.

Payment Example: A 60-month Auto Loan at 4.99% APR would result in monthly payments of $18.87 for each $1,000 borrowed.

An interesting twist in the road

If you've already paid off your vehicle, you can get an equity loan from us for quick cash.

Calculator: See how much your monthly auto loan payment will be—based on vehicle price and loan information

Calculator: Determine how much you could reduce your monthly and total loan payments if you refinance your car loan

First car purchase

Stanford FCU made my first car purchase a fantastic experience with their exceptional service and competitive auto loan rate!

Amrith

Saving the day

As an international student, Stanford FCU made it really easy for me to open a bank account before I even arrived in the U.S. They helped me set up my checking account and debit card without needing a U.S. credit history, which was a huge relief. I also appreciate how friendly and patient the staff were in explaining how banking works here. It really helped me get settled quickly.

Halil

Support when you need it most

Stanford credit union was such a great blessing to our family. They helped us with the purchase of our first ever house and made it possible acquire our second house where we live in now. The members of Stanford credit union have always treated us like family and always a welcome and a happy smile.

Catherine

Can I use an external account to make automatic loan payments? Show

Yes, you can use an account at another financial institution to set up automatic payments for your Stanford FCU loans. You’ll first need to set up the external account using Plaid in Digital Banking. Click here to add an external account .

There are two ways to link your accounts:

Instant Auth. Plaid uses an instant authentication, which means you don’t have to wait on microdeposits before linking an external account. To use Instant Auth, sign in with your online credentials for your external account.
Same Day Microdeposits. If your external institution isn’t connected to Plaid, you can still use Plaid to link your accounts via Same Day Microdeposits. To complete this process, you will need your account and routing numbers. Once you submit the request, you will receive a verification code via email. The code is only valid for 7 days.

Some financial institutions scramble account numbers for security. This means you may not see your actual external account number in Digital Banking

Once your external account has been verified, you can set up automatic payments through the Make a Payment service:

Choose your external account as the From account
Select the loan you wish to pay
Click the Enroll in Auto-Pay box
Complete and submit the form

Haven’t signed up for Digital Banking yet? You can view your account history, transfer funds between your accounts, make a loan payment, access Bill Pay and eStatements…and more! Sign up for Digital Banking today to handle all your personal banking in one convenient and secure place.

What Is my Loan Payoff amount? Show

Since interest accrues to your loan balance daily, your loan payoff amount changes every day.

Vehicle Loans and Personal Loans

Log in to Digital Banking and choose Payoff & Close as the Payment Type.

Mortgage Loans

To determine your exact mortgage loan payoff amount, please contact our Member Care Team at 888.723.7328, send us a secure Message through Digital Banking, or visit one of our branch locations.

Can I make my loan payment online? Show

Of course! Stanford FCU offers several convenient methods to make your loan payments:

Pay online through Digital Banking
Set up automated transfers from a Stanford FCU checking (spending) account through Digital Banking
Mail-in Payments
- Stanford Federal Credit Union
  PO Box 10690
  Palo Alto, CA 94303-0843
Pay Over the Phone by contacting a Member Care Team Specialist at 650.723.2509 (local) or 888.723.7328 toll free, Option 0.

If you want to make a loan payment at another financial institution, click here.

What is a credit score? Show

A credit score predicts how likely you are to pay back a loan. Companies use a mathematical formula called a scoring model to create your credit score from information in your credit report. Your credit report contains information about your experience paying loans and other bills.

Stanford FCU provides each member with their free credit score quarterly in Digital Banking.

Some factors that make up a typical credit score include:

Your history paying bills
Your current unpaid debt, like credit card and other loan balances
The number and type of loan accounts you have
How long you’ve had loans
How much of your available credit you’re using
Any new applications for credit
Whether you’ve had a debt sent to collections, a foreclosure or bankruptcy

Banks, credit unions and other lenders use credit scores to make decisions about whether to offer you a mortgage, credit card, auto loan, or other credit product. The credit score is also used to determine the interest rate you receive on a loan or credit card, and the credit limit.

It’s important to know that there are many different types of credit scores available to you and lenders. The actual scores will vary depending on the scoring model, the source of your credit history, the type of loan product, and even the day it was calculated.

Stanford FCU uses two different credit scores:

FICO^® Score for real estate loans
VantageScore 3.0 for consumer loans (vehicle, personal and credit cards)

Both credit scores range from 300 to 850 and were developed jointly by the three major credit bureaus (Experian, Equifax, and Transunion). Usually a higher score makes it easier to qualify for a loan and may result in a better interest rate.

Where did Stanford FCU get my VantageScore that’s posted online?

Stanford FCU partners with Experian to provide all of our members with your free VantageScore. You can also request your free credit report directly from annualcreditreport.com.

Will viewing my score hurt my credit?

No, Stanford FCU does a soft pull on your credit so it will not affect your score.

Can I opt out of viewing my score?

Stanford FCU provides your VantageScore based on Experian data to help you monitor your credit so you can qualify for more affordable loans. You can opt out of receiving it by calling 888.723.7328 or sending us a secure Message through Digital Banking.

Will this VantageScore be used for my consumer loan or mortgage loan application?

The credit score you see in your Digital Banking is used for informational purposes only, as your actual score can change frequently. When you apply for a loan with us, we will pull your full credit report and use that credit score and history.

How often is my online score updated?

We will update your score four times per year at the beginning of each quarter (January 1st, April 1st, July 1st, and October 1st). New members won’t see their credit score until the beginning of the quarter following their new membership date.

Why can’t I see my credit score in Digital Banking ?

There are several reasons why you may not have a credit score:

You’re a new Stanford FCU member
You opted out (you can opt back in by calling 888.723.7328 or sending us a secure Message through Digital Banking
Our information about you is mismatched or missing, e.g., an address change that has not been updated with Stanford FCU or Experian
Your credit history is too new
Your account status is abandoned, bankrupt, fraud, closed, revoked, charged off, lost or stolen
You have a foreign address

Do you offer new and used auto loans? Show

Yes, we have loans for new and used autos, trucks, SUVs, RVs, motorcycles and boats. You’ll pay the same low rate for new and used vehicle loans.

Up to 125% financing, including tax and license
No payments for up to 90 days
No application or early payoff fees
Repayment terms up to 84 months (144 months for select RVs and boats!)

Current members can apply through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes.

What insurance requirements do you have for auto loans? Show

All auto loans must have both comprehensive and collision coverage with a maximum deductible of $1,000.

At Stanford FCU, we have more than just car loans. You can also find great rates on new and used motorcycles, recreational vehicles and even boats! We even offer a convenient auto loan calculator to help you estimate your monthly payments.

Members will apply through Digital Banking or the mobile app. Non-members must first apply for membership online in as little as 10 minutes.

Can I get a copy of my credit report? Show

You can get your own credit report for free by visiting annualcreditreport.com.

Your credit score is a reflection of the information contained in your credit report, and we encourage members to review their credit report regularly. Here’s what you should look for and what it means to your credit:

Accuracy – Review the entire report for general accuracy. If you see any accounts that you didn’t open or any existing accounts with errors, you should contact the credit bureau to request a correction.
Inquiries– Your credit report will show who has been accessing your credit report. There are two types of inquiries:
- Soft inquiries include inquiries made by creditors with whom you already have a credit account, inquiries where you’re monitoring your own credit, or when your credit is checked by a lender to make you a pre-approved credit offer. Since lenders are not making a lending decision or guaranteeing approval, these inquiries are typically considered promotional and won’t affect your credit score.
- Hard inquiries occur when a business has accessed your credit report in connection with an application for credit. If you see any hard inquiries that you don’t recognize, it may be an indication that someone is attempting to obtain credit using your name and social security number. In that event, you should quickly report the inquiry to the credit bureau.

Your Free Credit Report

Under federal law, you are entitled to a free copy of your credit report once every 12 months from each of the three credit bureaus: Equifax, Experian, and TransUnion. The bureaus have established one central service for consumers to contact:

Annual Credit Report Request Service

Website: annualcreditreport.com

Telephone: 877-322-8228

Mail: P.O. Box 105281, Atlanta, GA 30348

You can obtain your three reports all at once, or stagger your requests throughout the year to monitor your credit more frequently. Your credit score is not included with the report, although you can purchase it for a fee. You can also view your free credit score quarterly in Digital Banking!

Make educated financial decisions, protect your personal information, and more with help from these handy resources.

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