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Vehicle Loans

Auto loans that put you in the driver's seat to savings!

Vehicle Loans

All SFEFCU Vehicle Loans include

1Dependent on the type of vehicle and creditworthiness.
2Summer payments are not required for all SFEFCU vehicle loans, except for Beat the Lease loans, if you are presently on a 10-month school payroll plan.
3Except Beat the Lease loans.
All credit union loans are subject to approval and are granted based on individual creditworthiness, the ability to repay and your credit score.

Auto Loans

New and Used

Financing your next vehicle is easier than you think. With some of the lowest rates in town, flexible repayment terms (up to 84 months) and additional money-saving features, South Florida Educational FCU can make your loan process stress-free.

Auto Loan Refinancing

Refinance your auto loan with South Florida Educational FCU and lower your monthly payments. Enjoy lower rates and convenient terms to help you save money.

Refinance and pay new car rates for 2016 models and newer.1

2016 models and newer

Rates start as low as 2.75% APR2

2015 models and older

Rates start as low as 2.99% APR2

1Existing South Florida Educational Federal Credit Union loans are excluded from this offer.
2APR = Annual Percentage Rate. Quoted rates assume payments are made electronically, either by payroll deduction, ACH or Automatic Transfer, otherwise, except for Beat the Lease auto loans, the rates increase by .50%. All Credit Union loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and your credit score. Rates shown may not apply to every borrower. New auto rates range from 2.75% – 18.00% APR., with terms up to 84 months. Used auto rates range from 2.99% – 18.00% APR, with terms up to 72 months. Summer payments are not required if you are presently on a 10-month school payroll plan, except for Beat the Lease auto loans. Rates quoted are subject to change. The 2.75% rate for new auto loans and the 2.99% rate for used auto loans requires a maximum loan term of 48 months. Longer terms are available and are priced accordingly.

Beat the Lease

Why Pay For The Whole Car? Pay For What You Use.

Beat the Lease Auto loan program is a lease look-a-like that can provide more attractive monthly payments (compared to lease-financing). It combines the flexibility and ownership of conventional financing with the low cost of leasing. The Beat the Lease program, allows you to sell your vehicle, trade it in, refinance, or pay it off at any time without incurring any early termination fees. You also have the opportunity to take advantage of the convenient "walk-away" option which allows you to surrender the vehicle and potentially receive it's guaranteed future value.

Beat the Lease Features

  • Lower monthly payments
  • No first or last payment; or money due at signing
  • Available on new and used vehicles up to five years old
  • Lower insurance requirements than traditional lease programs
  • Flexible loan terms up to 60 months
  • Mileage options of 12,000, 15,000 or 18,000 per year available
  • Taxes and registration fees can be financed
  • Option to sell, trade, refinance or payoff at any time with no prepayment penalties
  • Easy "walk-away" option at the end of loan term
  • Flexible added mileage options

Boat Loans

Enjoy the great outdoors on the high seas with a new or used boat loan from your credit union with flexible terms up to 120 months.

Motorcycle Loans

Feel the freedom of the open road as you cruise on your motorcycle! Whether you're looking for a new or used motorcycle, the Credit Union will help put you behind the wheel with great low rates and flexible repayment terms up to 60 months.

Recreational Vehicle (RV) Loans

RV loans are available for members seeking to enjoy the great outdoors and the open road. Remember, don't shop for your new RV until you get pre-approved for your loan with flexible repayment terms up to 120 months. A Credit Union pre-approved loan gives you financial leverage at any dealership.