New Vehicle: SFCU may finance up to 100% of the purchase price up to the MSRP of a new auto, truck or van. This may mean little or no down payment for the Member. A Vehicle Service Contract or GAP Advantage may be purchased through Smart Financial and the cost added to the loan at the same low interest rate. Terms of up to 84 months are available depending on loan amount.

Used Vehicle: SFCU may finance up to 100% of the purchase price up to the NADA Retail Value of a used auto, truck or van. This may mean little or no down payment for the Member. Terms up to 60 months are available for late model vehicles. Please call Auto Connection Plus at 713-850-1600 x1973 for NADA Values or other auto information.

Pre-Approvals of New and Used Vehicle Loans are available: A member may fill out an application before he/she starts shopping for a vehicle. Once approved, the Member may select a vehicle at his/her leisure. Pre-approval may give the Member an advantage when bargaining for the price of the vehicle.

Motorcycle Loans, Boat Loans, Recreational Vehicle Loans, Stock Secured Loans, Computer Loans, Share or Certificate of Deposit Loans are also all available at competitive rates and terms.

Payment Example: A 6 year fixed rate loan for a $25,000 new car, with 20% down, requires a $20,000 loan.  Based on a simple interest rate of 6.29%, and loan fees of $200, this loan would have 72 monthly payments of $337.54 each and an annual percentage rate (APR) of 6.64%.   

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