As we continue to balance our role as an essential service provider with the health of our employees and members, the ability to staff all of our branches is sometimes impacted. Our Milpitas, Palo Alto, San Francisco, and Sunnyvale branches will be temporarily closed effective December 2nd. As more members opt for non-face-to-face interactions, you may experience longer hold times when calling our Member Contact Center. We apologize for this inconvenience.
Click here for open branch locations and hours.
Used cars, trucks and SUVs can offer great value and many dealerships offer low mileage cars that look great and still with many miles on the road. Below are some items to consider when purchasing a used car from either a dealer or a third party.
Calculate how long it will take to save for an auto loan or a down payment.
*Auto loan APRs range from 2.74% APR to 12.74% APR as of 11/1/2020; subject to change without notice. 2.74% APR is available to borrowers with excellent credit on a used auto loan a term up to 36 months. PAYMENT SAMPLES: Pay $28.97 per month per $1,000 borrowed at 2.74% APR for 36 months. Pay $19.94 per month per $1,000 borrowed at 12.74% 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.2 Maximum loan
amount based on approved credit. Financing available on used vehicles (including
fleet returned vehicles), excluding salvaged vehicles. Used Vehicles 7 years old
or less and 100,000 miles or less: Up to 125% of Kelley Blue Book Retail Value (including tax, license, document fees, and mechanical breakdown protection or extended warranty), plus GAP on approved credit. Used
Vehicles over 7 years old or more than 100,000 miles: Up to 100% of Kelley Blue Book Wholesale Value (including tax, license, document fees, and mechanical breakdown protection or extended warranty), plus GAP on approved credit.3
Interest Rate will vary based on approved credit and term. 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
All loans require Tech CU membership, credit approval and you must
meet security requirements. Tech CU will finance private party purchased for used vehicles
registered in the state of California, other terms and conditions may