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Stanford Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 08 November 2023
Fact checked

Stanford Federal Credit Union auto loans overview

Stanford Federal Credit Union logo

Stanford Federal Credit Union (SFCU) is a not-for-profit, member-owned financial institution founded in 1959. Stanford FCU provides car financing options to the entire Stanford community and its partner companies. Qualified members can lock in vehicle loans with great rates and flexible repayment options. Other than autos, SFCU offers credit for a range of recreational vehicles, too.

Want to see what a Stanford FCU auto loan will cost? Try the Stanford Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Stanford Federal Credit Union auto loan features

  • Minimum loan amount: $5,000 for 48 months, $10,000 for 49 to 60 months, and $20,000 for 61 to 84 months.
  • Maximum loan amount: Up to 100%.
  • Interest rates: As low as 5.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application and early payment fees.
  • Discounts: Discounted rates based on Membership Rewards level.

STANFORD FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re looking to buy or refinance your current loan, Stanford FCU has vehicle loans with low rates and longer periods. Pre-owned and new auto loans start as low as 5.99% APR for terms of up to 60 months. Meanwhile, rates begin at 6.49% APR for loans of up to 84 months. You can also secure loans for classic vehicles for 36 months at 7.99% APR.

Recreational vehicle, motorcycle, and boat loans

Loans tailored for recreational vehicles, motorcycles, and boats are also available at Stanford FCU. New and used RVs and boats can have rates from 7.99% APR and repayment periods extending up to 144 months. Then, loans for motorcycles start as low as 7.99% APR with repayment periods of up to 72 months.

Stanford Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Stanford Federal Credit Union

Stanford Federal Credit Union auto loan

Stanford Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Stanford Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Stanford Federal Credit Union auto loan

Eligibility criteria

Though Stanford FCU doesn’t indicate the exact requirements to apply for credit, you usually need to be:

  • At least 18 years old
  • A legal resident
  • A member of Stanford CU
  • Employed or have a dependable income

There are also some things you can consider to improve your chances of securing credit. For example, try to make a down payment to lower your loan amount and potentially your rates, too. Remember though that each financial institution may vary in its down payment requirements.

How to join Stanford Federal Credit Union

Stanford FCU is open to anyone who meets the following criteria:

  • Member of the Stanford community
  • Work for one of Stanford FCU’s partner companies
  • Member of Friends of the Palo Alto Library (FOPAL) or Museum of American Heritage (MOAH)

What you’ll need to have ready

Personal details

When you apply for auto financing with Stanford Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Stanford FCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides the documents, the credit union also requires comprehensive and collision coverage with a maximum deductible of $1,000. So, ensure you’re fully prepared with the necessary information and documents. This way, you can fast-track your loan application process.

Ways to apply for an SFCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-723-7328

Additional Stanford FCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: Up to 1% APR discount through Membership Rewards.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, over the phone, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Less than 7 model years old for 48 months, and less than 5 model years old for 49 to 60 months. For 61 to 84 months, vehicles should be less than 3 model years old.
  • Maximum vehicle mileage: Less than 75,000 miles for 48 months, 60,000 miles for 49 to 60 months, and 36,000 miles for 61 to 84 months.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low rates.
  • Longer repayment options.
  • Quick loan approval.
  • Borrow up to 100%, including tax and license.
  • No prepayment penalty.
  • No application fees.
  • Discounted rates based on Membership Rewards level.
  • No payments for 90 days.
  • Convenient car-buying services.
  • Easy payment methods – online banking, mobile banking, over the phone, and by mail.

Cons

  • Membership required.
  • Private-party purchases limited to California members.
  • Members outside of California should buy the vehicle from a franchised dealer.

FREQUENTLY ASKED QUESTIONS

Are SFCU auto loan interest rates fixed or variable?

Car loans at Stanford FCU come with fixed interest rates.

How much interest does Stanford Federal Credit Union charge on car loans?

New and used vehicle loans start as low as 5.99% APR for 0 to 60 months and 6.49% APR for 61 to 84 months.

Are there early repayment fees on Stanford FCU vehicle loans?

None. You can pay off your Stanford FCU car loan without worrying about prepayment penalties.

Are there discounts available on Stanford FCU car loans?

Depending on your Membership Rewards level, you can get up to a 1% discount on car loans.

How long does SFCU take to approve auto financing?

You may get the loan decision from Stanford FCU within 1-2 business days.

Do I have to buy from a car dealer?

If you’re located outside of California, you need to purchase your vehicle from a franchised dealer. But you can buy from a private party if you’re a California member.

How do I pay my SFCU auto loan?

There are multiple payment options at Stanford FCU – online banking, mobile banking, over the phone, and by mail.

How to apply for a vehicle loan at SFCU?

Application for credit can be through online or mobile banking if you’re a Stanford FCU member. For non-members, you can apply for credit online, via phone, or in a branch.

Video: Membership Rewards

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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