SF Fire Credit Union

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Local (415) 674-4800 | Toll Free (888) 499-FIRE (3473)
6:00 a.m. to 10:00 p.m. (Pacific) Seven Days a Week

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8:30 a.m. to 6:00 p.m. (Pacific) Monday – Friday
8:30 a.m. to 3:00 p.m. (Pacific) Saturday

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Streamline Your Next Car Purchase with SF Fire Credit Union

Looking to buy a new car but not sure where to start? Do you have your heart set on a make & model and just need financing? Whatever stage you’re in, we’d love to help. We have options that make it easy for you to finance with us right from the dealership, and we even have a concierge auto buying service if you’d like someone to do all of the research for you!

Great Rates & Flexible Terms

Our competitive rates and flexible terms could come in handy if you’re looking for a used car, or a car that might take a little longer to pay off. Some benefits of an Auto Loan with SF Fire Credit Union include:

Key Features
Rates as Low as 2.24%1
Up to 130% Financing (including tax, license and warranty)
Terms up to 84 Months
No Prepayment Penalties
Dealership or Private Party Sales
Refinancing of Non-SF Fire Credit Union Auto Loans

Auto Buying Services

We’ve partnered with Autoland and CUDL AutoSmart to provide you with the tools to help you get a great deal on your next car.

  • Autoland is a FREE benefit of membership that gives you the option of having an Autoland consultant take over the hassle of purchasing or trading-in a car for you. They’ll take care of everything-from research, finding the best deals, and even delivering the car to your workplace or home.
  • CUDL AutoSmart We’ve partnered with the Credit Union Direct Lending® AutoSmart Program to aid those who like to do their own research in finding their next car. Credit Union Direct Lending connects over 600 credit unions with over 9,000 dealerships in 48 states.

Learn More About Auto Buying Services

Helpful Tips

To help make your dollars go EVEN further, we’d like to share a few tips to help you find the car that best suits your needs before you even step onto the lot.

Is it Really More Affordable to Buy New Right Now?

While buying a new car can be an attractive option considering dealership financing deals and rebate offers, although this may be an attractive option, don’t forget to take future depreciation into consideration. The greatest depreciation typically occurs in a car’s first two years on the road. By buying a used car, you’re allowing the original owner to incur the largest depreciation hit, so remember that extra money that goes into a new car could stretch further with a quality used vehicle.

If you’re curious to calculate your budget before shopping, check out our calculator: How Much Car Can I Afford?

In for the Long Haul – Keeping Cars Longer

Overall, cars are staying on the road longer now than in recent history, and many people now plan to keep their cars for longer periods of time. It might be wise to protect your investment by purchasing an extended warranty on a new vehicle – or if buying a used car, consider a Certified Pre-Owned vehicle which may carry an extended manufacturer warranty.

Last But Not Least – Don’t Be Shy!

This is your hard earned money we’re talking about here. There is no reason to be shy about negotiating or being up-front with your vehicle preferences and needs. When bargaining, remember to start from the invoice price of the vehicle, which is usually $1500-$3000 lower than the manufacturer suggested retail price (MSRP) (if you are working with a CUDL dealer, they will show you the invoice price). Also, if it helps you to keep organized, write down the information you’ve gathered to take with you – but always remember that planning and research will help you to find the car that really suits your needs.

Ready to get started?

Click on a button below, contact us, or head over to our Auto Loans page for more information.

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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.