Shop for the car, not the loan.
Get pre-approved in minutes, then take your offer to any dealer or private seller.
Auto loans
New, used or refinance.
New cars
Our lowest auto rates, for a car straight off the lot.
Used cars
From a dealer or a private seller, with help on the title paperwork.
Refinance
Move your loan from another lender and skip your first payment for 60 days.
Today’s auto rates
Rates as low as 5.24% APR.
Auto Loans
As low as
5.24 percent APR
Used auto
As low as
5.74 percent APR
Auto refinance
As low as
5.49 percent APR
Auto loan calculator
What will my car payment be?
Move the sliders to estimate a monthly payment. Your actual rate depends on credit and term.
Auto loan calculator
Leave at 0 if you have no trade-in.
- Monthly payment
- $512.50
- Amount financed
- $27,000.00
- Total interest
- $3,749.84
- Total of payments
- $30,749.84
Estimates for illustration only. Your actual rate and payment depend on your credit and the terms you qualify for.
Promotion
Refinance your car loan with us.
Bring your loan from another lender and skip your first payment for 60 days.
How long does a pre-approval last?
Sixty days, so you can shop without rushing. Your rate is held as long as you buy within that time.
Can I buy from a private seller?
Yes. We finance private-party sales too, and we can help with the title paperwork.
Will refinancing save me money?
Often, if your current rate is higher than ours or your credit has improved since you bought. The calculator on this page shows the difference.
Will checking my rate affect my credit?
Pre-approval uses a soft credit check, which does not affect your score. A full application uses a hard inquiry.
Do I need to be a member first?
You can apply and join at the same time. Membership is open to anyone who lives, works or studies in San Francisco.
Can I pay my loan off early?
Yes. None of our loans have prepayment penalties.
What documents will I need?
Usually a recent pay stub, a government ID, and for auto loans the purchase agreement or vehicle details.