New vs. Used Car Loans: Which One Saves You More Money?
We know what it takes to find the best auto loan. We’ve been helping our members find them for years!
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
Shell Western States Federal Credit Union offers quick and efficient financing for new auto loans and used auto loans, giving our members the lowest auto loan rates in the area. Our team is dedicated to giving the highest possible service and ensuring that you’re getting the best auto loan.
Our goal is to ensure that your vehicle loan’s interest rate will be the best it can be, whether you’re buying new or used. The term of the loan will also impact your vehicle loan rate. To learn more, click View Rates.
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
Having a payment option that works for you is just as important as having the best auto loan. At SWS FCU, we have both! That’s because we offer options for both automatic payments and bill pay.
Automatic Payment - Set up loan payments to deduct from your SWSFCU checking or saving account worry-free. With this option, you don’t have to worry about mailing 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. You set up checks that we send, with money coming straight out of your checking account. This helps you to see where your money goes, so you can budget accordingly each payment cycle.
Pre-Approvals
You can speed up your auto purchasing process by getting preapproved! An auto loan preapproval allows you to shop with the confidence of knowing your financing has already been secured. We will work with you to figure out what loan term and amount will best fit your budget. With an auto loan preapproval, you won’t have to wait to start shopping for your dream car!
Next Steps
Ready for the best auto loan in Contra Costa County?
Click “Apply Now” 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 States FCU by calling our branch office at (925) 228-4545, option 3. Schedule your appointment with our auto lending team today.
