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  • Used Auto Loans

    We can help you buy the used car you want.

    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.

  • Auto Rates

    Term1Minimum Loan Amount2Annual Percentage Rate3Example: Payment per $1,0004Effective Date
    12 - 36 months$5,0006.39% - 15.64%$34.9811/01/2023
    37 - 48 months$5,0006.49% - 15.74%$28.2111/01/2023
    49 - 66 months$5,0006.74% - 15.99%$22.8711/01/2023
    67 - 72 months$15,0007.34% - 16.59%$22.0211/01/2023
    73 - 84 months$25,0008.09% - 9.59%$16.3911/01/2023

    Vehicle Loan Terms :

    1Term subject to credit approval.
    2Maximum 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 90% of Kelley Blue Book Retail Value (including tax, license, document fees, and mechanical breakdown protection or extended warranty), plus GAP on approved credit.
    3Interest 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.
    4Payment per $1,000 is based on the highest interest rate with the maximum term.

    Vehicles must be 4 model years or newer with less than 60,000 miles.

    All loans require Tech CU membership, credit approval, and you must meet security requirements. Tech CU will finance private party purchases for used vehicles registered in the state of California. Other terms and conditions may apply.

  • Resources

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    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 Used Auto Loan

    • Up to 125% of Kelley Blue Book Retail Value on cars 7 years old or less and 100,000 miles or less (including tax, license, document fees, and mechanical breakdown protection or extended warranty), plus GAP on approved credit.
    • Up to 90% of Kelley Blue Book Retail Value on cars over 7 model years old or over 100,000 miles (including tax, license, document fees, and mechanical breakdown protection or extended warranty), plus GAP on approved credit.

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