Loans that move you

You’ll experience much more than low auto loan rates at Stanford FCU. You will also enjoy fast loan turn-around, great terms and FREE auto buying services to help you buy the car you want at a great price. Add it all up, and it’s auto buying that saves you time and money.

To set an appointment with a member of our team, click here: Set Appointment


  • Same low rates for new and used cars
  • Up to 100% financing, including tax and license
  • Repayment terms up to 84 months on loans of $20,000 or more
  • No payments for the first 90 days*
  • No Hidden Fees — See Fee Schedule

*Excludes refinancing of existing Stanford FCU loans, restrictions may apply.


This chart discloses the current daily periodic rate and the corresponding ANNUAL PERCENTAGE RATE.

Fixed Auto Loan Rates (7 model years and 75K miles)
Account Type Maximum Term Annual Percentage Rate
as Low as
Daily Periodic Rate
New & Used Auto (Vehicles 7 model years
or newer with less than 75K miles)
0 to 60 Months as low as 2.49%* .006822%
61 to 84 Months
(20K minimum)
as low as 2.99%* .008192%

*Rates and terms subject to change without notice. Rate is based on credit worthiness, and may be higher than the rate shown. 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 include an Ambassador Membership Rewards Level 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. The minimum loan amount is $5,000.

84-Month Terms – Vehicles must be less than three model years old with less than 36,000 miles.
60-Month Terms – Vehicles must be less than five model years old with less than 60,000 miles.
48-Month Terms – Vehicles must be five to seven model years old with less than 75,000 miles.

Payment Example: A 36-month Auto Loan at 2.49% APR would result in monthly payments of $28.86 for each $1,000 borrowed.


See Rates


Auto Buying Service

(for CA residents only)

Members Advantage Plus (MAP)

Looking to buy a new or used vehicle? Stanford FCU offers Member Advantage Plus (MAP), our FREE auto-buying service exclusively for members, to help you find the best vehicle at a price you can afford.


  • Auto buying-advice and quality member service
  • No haggling—MAP helps you find the best price!
  • Hassle-free process:

Hassle-Free Process:

  1. Get pre-approved online for a Stanford FCU auto loan or call 650.723.2509 or 888.723.7328 (outside 650 area).
  2. Once pre-approved, complete the “Vehicle Request” form online or call MAP at 855.795.0679. MAP can help locate and negotiate the best deal on the vehicle you want and can, in most cases, have your vehicle delivered to your home or office within hours!
  3. A Stanford FCU loan officer will complete your loan transaction.

0% Dealer Financing vs. Stanford FCU Financing

Take Stanford FCU financing over 0% dealer financing and save!

When car manufacturers and dealers offer super low rates, they almost always give the option of getting a rebate instead. We say, ‘Take the rebate!’ Even though a 0% APR may seem too good to pass up, an auto loan from Stanford FCU combined with the dealer rebate is often the better deal.
Here’s an example:

Financing comparison chart

  O% Dealer Financing 2.49% APR Stanford FCU Loan
Information shown is for illustration purposes only.
Dealer Rebate $0 $2,500
Loan Term 36 months 36 months
Loan Amount $36,000 $33,500
Monthly Payment $1,000 $966.71
Total Payments for Life of Loan $36,000.00 $34,801.56
Total Savings for Life of Loan $0 $1,198.44

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 Stanford FCU, which will lower your payments even more.

For a super-fast preapproval, apply online. When you complete your loan application online, you will get an answer in less than a minute! Print the “Approval Screen,” bring it with you when you shop and you’ll have more leverage when it’s time to negotiate price!


*You must be a current member of Stanford FCU to take advantage of AutoSmart or Members Advantage Plus. Stanford FCU assumes no liability for services rendered. This is a voluntary program and you are not obligated to participate. All new and certified used cars arranged for sale are subject to price and availability from the selling franchise car dealer.All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Management Account, Share Certificate or Individual Retirement Account. Dealer Financing vs Stanford FCU Loan APR means Annual Percentage Rate. The stated StanfordFCU rate is determined by your credit profile, loan balance, payment method, loan term and collateral, as applicable. Current Auto Loan Rate reflects an Ambassador Membership Rewards Level bonus rate discount of 1.00% Annual Percentage Rate (APR) (0.00274 daily periodic rate). You agree to the above terms and conditions of this program. Should you decide not to continue to maintain the service which qualifies you for a special loan rate or if you are in default on any loan you have with us, we may, at our option, change the rate charged on all loans pursuant to the loan agreement to the greater of the non-reduced rate in effect when the loan was made or the non-reduced rate in effect on the date the qualifier service was terminated. When the rate increases in this fashion, it has the effect of increasing the number of payments required to pay the balance in full, your actual rate may vary. Rates are subject to change.
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