• New Auto Loans

    There's more than one way to purchase a new car

    • Tech Car Shopper: A free car buying service to find the new car you want, plus save an additional .25% on a Tech CU auto loan when you purchase your car through Tech Car Shopper.
    • Research with AutoSMART: research and find the right car at the right price with AutoSMART
    • Tech Check®: A blank check that lets you negotiate like a cash buyer
    • Payment Calculator: Determine what your new monthly payment could be
    • Get Pre-Approved! Knowing how much you can borrow will help you narrow down your choices and save time as you shop for your next car.
    New Auto Loan Rates
    Term1 Minimum Loan Amount2 APR3 Example: Payment per $10004
    12-36 months $5,000 2.74% - 11.74% $33.10
    37-66 months $5,000 3.24% - 12.24% $20.91
    67-72 months $15,000 3.74% - 12.74% $19.95
    73-84 months5 $25,000 4.49% - 4.74% $14.02
    Calculate how long it will take to save for an auto loan or a down payment.

    Get pre-approved or apply for a Tech CU new auto loan

    • Up to 125% financing of purchase price, plus tax, license, dealer preparation, documentary fees, and insurance on approved credit.
    • Mechanical breakdown and extended warranty insurance available for new dealer-purchased vehicles.

    Tech Check®

    Use Tech Check at any franchised dealership in California — and negotiate like a cash buyer.

    How it works:

    • Your blank check (Tech Check) provides financing up to your approved amount.
    • As you shop, simply bring both your Tech Check and the “Instructions for Dealer.”
    • Your Tech Check must be payable to a franchised dealer — you’ll also need to sign the front of the Tech Check.

    Guidelines for using Tech Check:

    • The car must be a current or previous model year, not previously registered through the Department of Motor Vehicles (DMV), described as “new” on the purchase agreement, and not have more than 10,000 miles.
    • You can finance up to 125% of Manufacturer’s Suggested Retail Price (MSRP), including sales tax, licenses, and extended warranty. Guaranteed Asset Protection, GAP, or optional credit insurance will not be financed.
    • Your Tech Check is non-transferable and will remain valid for up to 30 days.

    Questions? Contact us at (877) 988-0471 or stop by any of our branches once your loan has been approved.

Give Us a Call

We look forward to chatting with you.

(800) 553-0880

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Visit Us in Person

We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
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