Buying a car is not a frivolous purchase, as it requires thousands of dollars that most people do not have just sitting around. When purchasing a vehicle, most individuals need to take out a vehicle loan. While this can cover the price of the entire vehicle, you may also have money in savings and only need help covering a portion. Regardless of which category you fall into, getting a credit union vehicle loan will help. Shell Western FCU offers these types of loans to all members at unbeatable rates.
Vehicle Loans
The SWS Federal Credit Union offers speedy, straightforward financing for new and used autos with low members-only rates. Our desirable terms and loyalty pricing make it easier to afford the vehicle you've always wanted. We also offer financing for RVs, motorcycles, and boats.
The rates for our loans vary depending on whether the vehicle is new or used. The term of the loan also impacts the interest rate you will have when repaying the loan. To learn more, you can select the View Rates option below.
Vehicle Loans
Features
Financing up to 120% of Kelley Blue Book Lending value. Terms and conditions apply
No obligation pre-approvals
No application fee or funding fee
Easy, online application process
Automatic payment option from your SWSFCU account
Refinance existing auto loans from other lenders
Vehicle Loan Rates
| Type | Term | APR* |
|---|---|---|
| New Auto | Terms up to 84 months available*** | as low as 4.00% |
| Used Auto | Terms up to 72 months available*** | as low as 4.50% |
| New RV | Terms up to 84 months available*** | as low as 6.00% |
| Used RV | Terms up to 84 months available*** | as low as 6.25% |
| New Motorcycle | Terms up to 60 months available*** | as low as 6.00% |
| Used Motorcycle | Terms up to 60 months available*** | as low as 6.00% |
| New Boat | Terms up to 84 months available*** | as low as 6.00% |
| Used Boat | Terms up to 60 months available*** | as low as 6.00% |
***Rates will vary with different terms.
Payment Options
Setting up the payment option that works best for you is crucial to loan repayment. Shell Western offers options for automatic payment and online bill pay.
Automatic Payment - Set up loan payments to come directly out of SWSFCU checking or saving accounts worry-free. With this option, you don’t have to worry about mailing in a check or missing payment dates. Paying bills on time helps keep your credit score high and prevents missed payment fees.
Bill Pay - You can enjoy the freedom of paying anyone, anytime online. The payments are withdrawn from your checking account. This helps you to see where your money goes, so you can budget accordingly each payment cycle.
Pre-Approvals
Speed up the entire auto purchasing routine by securing a credit union pre-approval. This will allow you to shop with the confidence of knowing your financing is secured. We will be happy to work with you to find the term and amount that will best fit your budget. With a pre-approval for a loan, you won’t have to apply for and wait for loan approval after selecting your dream vehicle. This also helps you establish a strict budget based on what you can afford—preventing the risk of overspending.
Next Steps
Are you ready for the next step?
Click “Apply Now” below to take your next step in owning your dream vehicle!
Please contact us if you have questions about our vehicle loan options or would like to join our credit union. You can reach Shell Western FCU by calling our branch office at (925) 228-4545, option 3. Schedule your appointment today.
