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Auto Equity and Refinance Loans
If you have equity in your
auto (current value of the car is higher than outstanding loan
balance), you can cash out by applying for an Auto Equity Loan.
Refinance the equity on your vehicle and have access to an easy
source of cash at a low, fixed rate.
For example: If you
currently owe $10,000 on your existing auto loan and your vehicle
is worth $15,000 under the Retail Kelley Blue Book/CPI guidelines,
we will refinance the original $10,000 loan balance AND loan you
an additional $5,000 in cash based on your vehicle’s equity.**
A San Francisco Federal Credit Union Auto Equity Loan can help pay
off higher rate debt, make a major purchase and you will save money
by paying with our lower auto
loan interest rates.
Auto
Equity Online Application
If you currently have an auto
loan with another financial institution, compare our rates and save!
To lower your monthly payments, we offer low fixed rates and a choice
of terms.
| |
As Low As |
| San Francisco FCU |
5.74% APR1 |
| Wells Fargo |
6.89% APR2 |
Rates compared at 48-month terms.
Refinance an auto loan
currently held by another
lender, and you’ll not only
save money, but we’ll also
reward you with a gas card!3
| Loan Amount |
Reward |
| $15,000 - $19,999.99 |
$150 Gas Card |
| $20,000 - $29,999.99 |
$200 Gas Card |
| $30,000 - $39,999.99 |
$300 Gas Card |
| $40,000 and above |
$400 Gas Card |
Offer good until 1/15/2010.
Auto
Refinance Online Application
 View Auto Rates
| Term |
24 Months |
36 Months |
48 Months |
60 Months |
72 Months |
| Loan Amount |
5.64% APR |
5.89% APR |
6.24% APR |
6.49% APR |
6.49% APR |
| $ 5,000 |
$221 |
$152 |
$118 |
$98 |
$84 |
| $10,000 |
$442 |
$304 |
$236 |
$196 |
$168 |
| $15,000 |
$662 |
$456 |
$354 |
$293 |
$252 |
| $20,000 |
$883 |
$607 |
$472 |
$391 |
$336 |
(Sample rates only. Your actual
rate will be disclosed upon loan approval. Add 1% to rates for payment methods other than pre-authorized automatic payment.) **When
refinancing: Offer subject to visual inspection of your vehicle.
No salvaged vehicles or lemon law buybacks allowed. Vehicles are
subject to Credit Union approval. We refinance vehicles 6 years
old or newer up to high Kelley Blue Book/CPI value. Vehicles 7-10
years old may qualify and are subject to Credit Union approval.
If refinancing an existing San Francisco FCU auto loan without
additional cash back, a $75 refinancing fee will be charged.
- Payment Cancellation Protection - Help safeguard your loan with MEMBER'S CHOICETM Borrower Security. Learn more.
1 San Francisco FCU APRs accurate as of November 4, 2009 and may be as high as 10.24% APR for new vehicles, and 10.74% for used vehicles. "Credit Builder" rates can be as high as 14.64% APR. Add 1% to interest rate for cash/check payments. Pay $24.15 per month per $1,000 borrowed for 48 months at 7.44% APR. Rates subject to change without prior notice, determined at time of application and based on creditworthiness. San Francisco FCU membership is required for a loan. All loans subject to credit approval.
2 Rate for Wells Fargo is based on rate at its web site on November 4, 2009.
3 Gift card to be mailed via certified mail 6-8 weeks after loan funding. One gift card per member. Valid
only on refinances of vehicle loans from other lenders and not from San Francisco FCU. |
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