New Auto Loans

Rates As Low As

1.99%APR*

APR=Annual Percentage Rate. Advertised rate for new cars is our lowest Annual Percentage Rate (APR) and is effective 1/8/2016. Subject to credit approval.

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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
12-66 months	$5,000	1.99% - 10.99%	$20.28
67-72 months	$15,000	2.74% - 11.74%	$19.44
73-84 months⁵	$25,000	3.24% - 3.49%	$13.44

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.

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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.

*Auto loan APRs range from 1.99% APR to 12.24% APR as of 1/8/2016; subject to change without notice. 1.99% APR is available to borrowers with excellent credit on a new auto loan a term up to 66 months. PAYMENT SAMPLES: Pay $16.01 per month per $1,000 borrowed at 1.99% APR for 66 months. Pay $20.92 per month per $1,000 borrowed at 12.24% APR for 72 months. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work. We offer many auto loan options; ask us for details.

Vehicle Loan Terms:
¹ $15,000 minimum loan amount for 72-month financing, $25,000 minimum loan amount for 84-month financing.
² Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 125% of MSRP plus GAP. 125% MSRP includes tax, license, dealer and extended warranty.
³ Interest Rate will vary based on approved credit. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work.
⁴ Payment per $1,000 is based on the highest interest rate with the maximum term.
⁵ Term subject to credit approval.

All loans require Tech CU membership, credit approval and you must meet security requirements.

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