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Auto Advantage


Enjoy the benefits of leasing without the hassle

Get behind the wheel of your dream car. If you like the advantages of a lease - but not the terms - SEFCU's Auto Advantage offers so many advantages!



Rates valid for

model years 2018–2022

Features & Benefits

Competitive rates

  • Less money out of pocket
  • Lower monthly payments
  • Buy new or used
  • Terms up to 72 months
  • Calculator to determine your estimated monthly payment.



Auto Advantage

Approximate Repayment Term APR* as low as
24 Months 2.49%
36 Months 2.49%
48 Months 2.49%
60 Months 2.49%
72 Months 2.74%

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Apply for a SEFCU New Car Loan today

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Call 800-727-3328


Financial Education


Auto Advantage

Rates as low as 2.49% APR

Lease-like benefits without the restrictions

Save up to 40% compared to traditional car loans

View Auto Advantage

More to think about...

Online Loan Payments

Online loan payments

Pay your SEFCU loan from an account at another financial institution from your phone, tablet, or computer

* Annual Percentage Rate. Published rate applies to vehicle model years ’18 - ’22 for 24, 36, 48, 60 and 72 month terms. Rate listed assumes credit worthiness. Other rates and terms may apply. Rates accurate as of today - June 24, 2021 and subject to change without notice. This loan is eligible for our Active U.S. Military and Veteran program. Learn more about Paying it Back.
Year Loan Term Mileage May NOT Exceed
Future Model Year
24, 36, 48, 60, 72
Current Model Years
24, 36, 48, 60, 72
1 Year Old Models
24, 36, 48, 60, 72***
2 Year Old Models
24, 36, 48, 60, 72
3 Year Old Models
24, 36, 48, 60, 72
** SEFCU limits terms based on vehicle year due to future residual value.
*** Monthly Financing is available on all "New" previous (up to 1) Year models. Untitled previous year models with 3,000 miles or less on the odometer are considered new.