Vehicle Loans

We like to say yes!

You’ll find an easy application process, fast approvals, and the same low rates for both new and used vehicles at your member-owned credit union.

Same low rates for new and used vehicles

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Auto, motorcycle, recreational vehicles (RVs) and boat loans

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Up to 100% financing, including tax and license

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Repayment terms up to 84 months

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No payments for up to 90 days

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No application or early payoff fees

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Equity loans for quick cash if your car is paid off

Find a car

Free personal auto buying service

Relax and let our consultant find the right new or used vehicle at the right price! Call 855.795.0679 or click to learn more. Available to California residents only.

Quality used cars and a 1% rate discount

Our partner 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. Your Stanford FCU auto loan can even be processed right on the lot—with a 1% rate discount!

View Disclosures

You must be a member of Stanford FCU to take advantage of the Personal Auto Buying Service or Enterprise Car Sales discount. Stanford FCU assumes no liability for services rendered. These are voluntary programs 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.

Vehicle Loan Education

Learn about vehicle financing and insurance with our Online Learning Modules.

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Earn loan discounts with a Partner or Ambassador-level Membership Rewards relationship by opening more accounts!

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Auto, Motorcycle, RV and Boat Loan Rates

Scroll Right for More Data

Account Description 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
37 to 60 Months
61 to 84 Months (20K minimum)
2.49% APR
2.74% APR
3.24% APR
Classic Auto Up to 36 Months 4.49% APR
New & Used RV 0 to 36 Months
37 to 60 Months
61 to 84 Months
85 to 144 Months
4.49% APR
4.74% APR
5.24% APR
7.24% APR
New & Used Motorcycle 0 to 36 Months
37 to 60 Months
61 to 72 Months
4.49% APR
4.74% APR
5.24% APR
New & Used Boat 0 to 36 Months
37 to 60 Months
61 to 84 Months
85 to 144 Months
4.49% APR
4.74% APR
5.24% APR
7.24% APR
View Disclosures

Effective 12/1/19

Calculate your monthly payment or check
your credit to plan your next steps

All loans subject to credit approval and membership eligibility. Restrictions may apply for non-California 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.