An additional .50% off qualifying loan rates when payments are made by direct deposit, ACH or automatic transfer3
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.
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 2015 models and newer.1
2015 models and newer
Rates start as low as 2.24% APR2
2014 models and older
Rates start as low as 2.49% APR2
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
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.
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.