Thomas, Rugby Pro.
Putting him first since 2010.
CAR LOANS

Ready to put the rubber to the road?

If there's a new, used, or refinanced auto in your future, we have speedy finance options to get you where you want to go.

Why SF Fire?

Up To
84
No
As Low As
3.39%

Maybe it's time to hit the streets with some new wheels. Or maybe you want to refinance your auto and free up some cash. Either way, we have auto financing options to make that happen.

 

Quick and easy application

Once you're approved, search for the car of your dreams, whether it's a new car from a dealership or purchase from a private party.

 

 

First-time buyer?

We believe you should always be informed before making financial decisions. So if you're not sure about auto loans, or just have general questions, then check out this quick tutorial.

Member Benefits

Finance up to 130% Vehicle Loan to Value

Learn more about Loan to Value

Dealership or Private Party Sales (in-CA only)

Ask for alternative financing options for out-of-state private party transactions.

Credit Union Direct Lending (CUDL)

Finance your loan at dealerships who participate in Credit Union Direct Lending (CUDL)

Refinance

Refinance non-SF Fire Credit Union loans, or existing SF Fire Credit Union loans, for lower payments.

Added Protection

Guaranteed Asset Protection (GAP) and Mechanical Breakdown Insurance (MBI) can be added to total amount financed.

Access to low interest funds

When you cash out paid off (or low loan balance) vehicle equity.

A few notes

 

We try to help out when we can, but sometimes we can't do everything. SF Fire Credit Union does not finance commercial-use vehicles, including Uber, Lyft, and limo services.

New & Used Auto Loans have an 80k max-mileage. 100k max for Early & Classic.

New & Used Auto: 2015 or Newer

Minimum Loan Amount

$5,000

TermAPR*
1 to 48 Months3.39%
Minimum Loan Amount

$10,000

TermAPR*
49-60 Months3.39%
Minimum Loan Amount

$15,000

TermAPR*
61-72 Months3.74%
Minimum Loan Amount

$25,000

TermAPR*
73-84 Months4.24%

APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on an individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and the other vehicle characteristics. Speak to a loan officer for details.

Payment Example: Assuming a $25,000 auto loan for 48 months at 3.39% APR the monthly payment will be $557.70. Other terms & rates available.

Classic & Older Autos: 2011-2014

Minimum Loan Amount

$5,000

TermAPR*
1-48 Months7.29%
Minimum Loan Amount

$10,000

TermAPR*
49-60 Months7.44%

APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.

Payment example: Classic auto loan of $30,000 for five years at 7.44% APR will have a monthly payment of $600.34. Other rates and terms are available.

Discover More

Hannah & Martin, SFUSD supporters. Putting them first since 2017.
GUARANTEED ASSET PROTECTION

Cover any gaps

Pay off your remaining car loan in the event your auto is totaled with our Guaranteed Asset Protection (GAP) insurance

Learn More
Hannah & Martin, SFUSD supporters. Putting them first since 2017.
Jeanne, marathoner and coach.
Putting her first since 2007.
MECHANICAL BREAKDOWN INSURANCE

Coverage you can count on

Don't let car troubles stall your plans. Be prepared with out Mechanical Breakdown Insurance

Learn More
Jeanne, marathoner and coach.
Putting her first since 2007.

Let's Talk

As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.

Call or Chat

(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM*

*Please note that 'After Hours Phone Support' is available outside of regular Contact Center Hours.

Chat Now

Stop by a branch

Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM

Find a Branch or ATM

We have fresh chocolate chip cookies every other Tuesday!