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


Vehicle Loan Education

Learn about vehicle financing and insurance. It’s important to understand the basics, and these online tutorials can help.


  • 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 up to 90 days*
  • No Hidden Fees — See Fee Schedule

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


This chart discloses 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
New & Used Auto (Vehicles 7 model years
or newer with less than 75K miles)
0 to 36 Months as low as 2.49%*
37 to 60 Months as low as 2.74%*
61 to 84 Months
(20K minimum)
as low as 3.24%*

*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.

Rate shown is for our highest credit tier plus 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.
Up to 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

Find A Car

Stanford FCU has two great ways to help you find the car of your dreams. Our partners below will help you get a great new or used car at an excellent price!

Personal Auto
Buying Service
Quality Used Cars and
a 1% Rate Discount
California residents only

Lean back, relax, and let your Members Advantage Plus (MAP) consultant find you the right new or used vehicle at the right price.

Hassle-Free Process

Step 1 – Get pre-approved for your Stanford FCU auto loan by applying in Online or Mobile Banking (members only) or through our online loan application (non-members).

Step 2 – Complete the Vehicle Request Form by clicking on the Learn More button and choosing Request Form in the top right corner, or call MAP at 855.795.0679. MAP can help locate and negotiate the best deal on the vehicle you want and can often have your vehicle delivered to your home or office within hours.

Step 3 – A Stanford FCU loan officer will complete your loan transaction.

Learn More

Enterprise Car Sales has quality used vehicles with most pricing below Kelley Blue Book retail value. Shop online or at a nearby Enterprise Car Sales lot—you’ll find personal service and set prices. Your Stanford FCU auto loan can even be processed right on the lot—with a 1% rate discount*!

  • Over 250 makes and models**
  • Trade-ins welcome
  • Free CARFAX® vehicle history report™
  • Perks like warranties and roadside assistance

Questions? Contact Enterprise at 800.227.7253 and tell them you’re a Stanford FCU member!

enterprise car sales

Shop Now

*APR=Annual Percentage Rate. 1% off current Stanford FCU rate with a maximum loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Stanford FCU members. Not all buyers will qualify. Offer valid from 10/1/19 – 12/31/20 and is subject to change without notice. Rate is not available to refinance existing Stanford FCU auto loans. This offer cannot be combined with any other offer. Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.
**75% of vehicles available for sale are 1-3 year old model vehicles & include at least 250 makes and models. All vehicle inventory is available by visiting or a dealership where a Sales Consultant can help you find vehicles available in our nationwide inventory. Delivery of vehicles outside local area may require transfer fee.

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

0% 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 $34,801.54
Total Savings for Life of Loan $0 $1,198.46

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 pre-approval, 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 Personal Auto Buying Service or Enterprise Car Sales. 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 Market Account, Share Certificate or Individual Retirement Account. Dealer Financing vs Stanford FCU Loan APR means Annual Percentage Rate. The stated Stanford FCU 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). 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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