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Auto Advantage

Want lower payments with your next car? Choose SEFCU's Auto Advantage and save up to 40% over traditional car loans!

Low Monthly Payments and Terms up to 72 Months

If you like the advantages of leasing - but not the terms - SEFCU's Auto Advantage offers so many advantages! Where do we start?

  • Less money out of pocket! Save up to 40% compared to traditional car loans!
  • Lower monthly payments! Enjoy lower monthly payments and terms from 24 to 72 months, based on model year and current mileage.
  • Buy new or used! Both new and used vehicles are eligible, including future, current, and the previous three model years.

Enjoy the Benefits of Leasing Without the Hassle

  • Don't lock into a lease! Auto Advantage gives you the option to terminate your loan without penalty simply by paying it off at any time.
  • Choose your own mileage! Choose from 12,000, 15,000, or 18,000 miles per year and only $0.10 per mile thereafter.
  • More Flexible options at maturity! Choose from four easy options to end your Auto Advantage loan:
    • Sell the vehicle and pay off the loan balance
    • Trade the vehicle in and pay off the loan balance
    • Keep the vehicle and refinance the remaining amount owed
    • Return the vehicle 

Ready to Get Started?

Just negotiate your best deal with any dealer. SEFCU will use this information to calculate your monthly payments. We consider the original price, expected value of the car at the end of the loan term (based on model year and current mileage), interest, and loan term chosen. View our Auto Advantage low loan rates and use our calculator to determine your monthly payment.

Next Step - Apply for an Auto Advantage Loan!