Auto Rates

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Our auto loan rates put you on the road

As a not-for-profit institution, Sacramento Credit Union Members save more and are on the road quickly. This means fast application and approval times and more gas in your tank.


Rates effective as of January 26, 2020.

Loan Amount Term Maximum Amount Financed2
100% APR3
New Auto Purchase or Refinance From Other Lenders
2016 and Newer¹ Up to $100,000 Up to 84 months 2.59% - 9.49%
Used Auto Purchase or Refinance From Other Lenders
2016 and newer Up to $100,000 Up to 84 months 2.59% - 9.49%
2015 to 2011 Up to $100,000 Up to 72 months 2.59% - 9.49%
2010 to 2008 Up to $100,000 Up to 60 months 2.59% - 9.49%
2007 and older Up to $25,000 Up to 48 months 7.25% - 12.25%

1 2016 and newer with less than 7,500 miles. 

2 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above. 2008 or Newer: 60 months financing is available on loan amount of $5,000 and above. 72 months for $15,000 and above. 84 months for $20,000 and above. Mileage and term restriction: max 48 month term mileage 100k or more, max 60 month term mileage 80k or more.

2 Maximum Amount Financed Loan to Value (LTV) is based on the following

  • New Vehicles - Up to 130% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price (minus rebates) including tax, license and dealer add-ons.
  • Used Vehicles - Up to 130% LTV. LTV is the lesser of the puchase price or Kelley Blue Book retail value including tax, license and dealer add-ons.
  • Auto Refinance - Loan amounts up to 100% LTV of Kelley Blue Book retail value.
  • RV and Boat Financing - New financing up to 100% LTV. LTV is the lesser of the purchase price or Manufacturers Suggested Retail Price. Used financing up to 100% LTV. LTV is the lesser of the purchase price or NADA Retail Value Guide.
  • Select Collateral Loan - Up to 100% of the lesser of the purchase price or Manufactures suggested Retail Price.

3 APR = ANNUAL PERCENTAGE RATE