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.
Did you know that you can use the equity in your vehicle as a quick, easy way to borrow money at a low rate? Use it to pay taxes, a vacation, whatever you want. Apply now.
*Excludes refinancing of existing Stanford FCU loans, restrictions may apply.
This chart discloses the current daily periodic rate and the corresponding ANNUAL PERCENTAGE RATE.
| Account Type | Maximum Term | Fixed Auto Loan Rates (7 model years and 75K miles) | |
|---|---|---|---|
| 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 1.99%** | .005452% |
| 61 to 84 Months (20K minimum) |
as low as 2.49%** | .006822% | |
**The rate on this product is determined by your credit profile, amount of credit, payment method, loan term, and collateral as applicable. Consumer Loan Rate is subject to an Ambassador Membership Rewards Level. 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.
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.
Features:
Hassle-Free Process:
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:
| O% Dealer Financing | 1.99% 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 | $959.39 | |
| Total Payments for Life of Loan | $36,000.00 | $34,537.80 | |
| Total Savings for Life of Loan | $0 | $1,462.20 | |
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!