Take Advantage of Summer Sales at the Dealership by Financing with Us

Ways to Save: Finance your Auto Loan with SF Fire Credit Union and take advantage of summer sales & dealership rebates!

Hit the road this summer

Summer is fast approaching, and now is a great time to take advantage of summer auto sales. Inventory is up, and dealers are providing attractive sales and rebates to get you in the driver’s seat. We strive to help you navigate these offers and find the vehicle that’s right for you.

0% Financing vs. Dealer Rebates

During these summer months, many dealerships are offering very attractive deals to prospective buyers, including offers that allow buyers to make a choice between 0% financing through the dealership and a cash-back rebate deducted from the vehicle’s selling price. While 0% financing might seem like a better deal, financing through SF fire Credit Union may save you money and frustration.

Below is an example of your potential savings:


Dealer Captive Financing 
Loan at 0% APR 

SF Fire Credit Union 
Loan at 2.24%* APR 

Your Advantage

Purchase Price 

$ 25,000 

$ 25,000 


Minus Dealer Rebate 

$ 0 

$ 3,000 


Loan Amount 

$ 25,000 

$ 22,000 


Loan Term 

60 months 

60 months 

No prepayment penalty

Monthly Payment 

$ 417 

$ 388 

Lower monthly payment

Total Loan Repayment 

$ 25,000 

$ 23,700 

Lower total payback

Down Payment and Credit Score

It's important to take your down payment into consideration when deciding between your two potential options at the dealership. Your savings can also depend on the rate you qualify for with SF Fire Credit Union. If your credit is not quite up to par (enroll to view your quarterly credit grade for free in SF Fire Credit Union Online & Mobile Banking), then you may not qualify for 0% financing, so financing away from the dealership and taking the rebate could be the better option.


Our call center is open from 6am to 10pm, seven days a week. Our representatives can help you with any questions you may have at a time that’s most convenient for you. We can assist you in setting up an appointment in our branches, or start a loan application for you over the phone.

Use our Helpful Calculators:

If you're curious to see which would be the best deal for you, try using our calculator: Which is Better: A Rebate or Special Financing?

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* Auto Loan Annual Percentage Rate. Rate subject to change. Rate is based on credit worthiness. Rate reflects a 0.25% discount on loans that have authorized an automated electronic payment method. Rate based on 60-month term. Rate applicable to purchases or refinancing of non-SF Fire Credit Union auto loans only.