New and used Vehicles: SFCU may finance up to 100% of the purchase price of a new or used vehicle based on credit worthiness and collateral value. This may mean little or no down payment required. A Vehicle Service Contract (Mechanical Breakdown Protection) and/or Guaranteed Asset Protection (GAP) may be purchased through SFCU and the cost added to the loan at the same interest rate. To learn more About our Mechanical Breakdown Protection and Guaranteed Asset Protection plans click here. terms up to 72 months are available depending on loan amount, year of the vehicle, and credit worthiness.