FAQs

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Fees & Services

What insurance products do you offer?

We do not offer traditional insurance products, but we do have specialty insurance for auto loans and some of our credit card products.

Auto Specialty Insurance

Guaranteed Asset Protection (GAP)
Mechanical Breakdown Protection (MBP)

You will be offered these products at the time you fund a new auto loan.

If you have additional questions, please call 888.723.7328 to speak with a Member Care Team Specialist.

Can you help me find a car to buy?

Yes! We have a special relationship with Enterprise Car Sales to bring you quality used vehicles at affordable prices.

We’ve got great rates and great loans!

We have the same low rates for new and used vehicles, up to 90 days with no payments, and up to 125% financing. Learn more on our Vehicle Loans page. We even offer a convenient auto loan calculator to help you estimate your payments.

Members will apply through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes. You can also apply by phone at 888.723.7328 or make an appointment at a local branch to discuss your loan needs.

Loans

What are the current auto loan rates?

Rates can change frequently. Our current Loan Rates are available online 24/7. You can also start an application through Digital Banking to view your specific rate - this won't be a full credit pull until you submit your application.

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.

Can I apply for an auto loan if I have not found the car I want yet?

Yes! We can pre-approve you while you’re car shopping, so you’ll know exactly how much car you can afford. We also have a special relationship with Enterprise Car Sales to bring you quality used vehicles at affordable prices.

What insurance requirements do you have for auto loans?

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

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

Do you offer new and used auto loans?

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.

Payments

What Is my Loan Payoff amount?

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

Vehicle Loans and Personal Loans

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.

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