4926 La Cuenta Drive, San Diego, CA 92124
800.973.3328
sdffcu@sdffcu.org
M-F 8:00am - 3:30pm
We’ve slashed our rates!
Now through September 30, 2025
We’ve slashed our Auto Loan rates starting as low as 4.24% APR* for both new and existing members!
Promotional RateS applY to:
New or used PURCHASE
Auto Refinances
(Offer cannot be used on pre-existing loans with Santa Rosa County Federal Credit Union.)
Apply online or come into one of our five branch locations to get started!
DISCLAIMER: Federally insured by NCUA. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. *APR=Annual Percentage Rate. Valid for new, used, or refinanced auto loans. Offer cannot be used on pre-existing loans with Santa Rosa County Federal Credit Union. Offer valid on loan applications submitted between July 23, 2025 and September 30, 2025 only.
Promotional Rates
Effective July 23, 2025- September 30, 2025
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| New & Used Auto | Up to 36 Months | 4.24% |
| New & Used Auto | Up to 66 Months | 4.99% |
| New & Used Auto | Up to 75 Months | 5.49% |
| New & Used Auto | Up to 84 Months | 6.24% |
Questions?
Wondering if refinancing your vehicle is the right move? Chat with a friendly SRCFCU loan officer today—we’re here to help!
No Payments for 90 Days
Ask about our no payments for 90 days program with your friendly loan officer.
Save Money on your Auto Protection Plan
OUR GAP INSURANCE IS lower than most!
When you finance your auto loan through Santa Rosa County Federal Credit Union, you can tag on an amazing deal on GAP insurance compared to purchasing it elsewhere, saving you hundreds of dollars! An Auto Protection Plan & Extended Warranty helps you drive with confidence knowing that your vehicle is covered for the cost of repairs, potentially saving you hundreds or thousands of dollars in automotive repairs. For more details, speak to a loan officer at any of our branch locations and ask about our Auto Protection Plan.
Refinance Your Auto Loan and Drive Down Your Payments!
Looking to save more on your car loan? Refinancing your auto loan with us could help you unlock better rates, lower monthly payments, and even put money back in your pocket.
Why Refinance with SRCFCU?
Lower Interest Rates
Lock in a better rate and reduce what you pay over time.Pay Less Over the Life of the Loan
A lower rate or shorter term can mean big savings on total interest.Lower Monthly Payments
Free up your budget with more manageable monthly payments.No Payments for 90 Days
Take a break—your first payment isn’t due for 90 days.Flexible Loan Terms
Choose a term that fits your lifestyle—shorter to pay it off faster, or longer for lower monthly payments.Improved Cash Flow
Keep more money in your pocket each month for what matters most.Better Lender Experience
Enjoy exceptional service, local support, and digital tools that make managing your loan easy.
Ready to Start Saving?
Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments!
Check out our repo deals!
Request a call back
Fill out the form below to request a call back from one of our friendly loan officers.
Learn about our Loan Payment Options.
Disclaimer: Terms and conditions apply. APR= Annual Percentage Rate. 90 day no payment is not automatic and must be requested through your loan officer. We are federally insured by NCUA.