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If you’ve found the right car but you don’t have the cash to pay in full, an auto loan can help.

While auto loans are very common, many borrowers end up with high interest rates and inflexible terms that end up costing them more than they expected. When you belong with Chevron Federal Credit Union, you can purchase the car you want without sacrificing your wallet. We offer competitive rates and flexible terms on loans for new and used autos, and we work with you to find a loan package that fits your needs.

Key features:

  • New or used autos are eligible1
  • Flexible loan terms from 12 to 84 months2
  • Up to 120% Loan-to-Value Ratio (LTV), including taxes, registration, fees, license, and warranties2
  • 0.50% discount when you sign up for auto payments
  • Loan pre-approval, so your financing is good to go before you buy2
  • Eligibility includes private party purchase, lease buy-out purchase, or family transfer transactions3

We offer same-day loan approval. Once all documents have been signed and stipulations met, we can close an auto loan within one business day.

Loan payment example: $25,000 loan at APR5 as low as 2.54%for 60 months = $444 monthly payment; rates are subject to change

Still have questions?

Give us a call at 800-232-8101. For those outside the U.S., call 510-627-5000.

How much will my vehicle payments be?

Monthly Payment: $0.00

Loan Amount: $0.00

  • Month
  • Monthly Payment
  • Balance
  • Principal Paid
  • Interest Paid
  • Cumulative Interest

Questions? Call us at 800-232-8101


We provide these tools and calculators as a resource to help you evaluate lending products. Results are only estimates, exclude private party transactions, family buyouts, and lease buyouts, and we don't guarantee the results or your ability to receive the loan terms. If you have questions about your specific financial situation, contact your financial advisor.

When selecting an amount, keep in mind that you may need additional funds for anything the dealer may add that isn’t included in the MSRP. Some examples: applicable sales tax, title and registration fees, dealer fees, optional product and services, and other charges.

Your credit history and related score are used by lenders to evaluate your loan and credit requests. Lenders use this information to see if you have missed payments, carry high balances, or are in other ways over-extending yourself financially. For this reason, it's a good idea to check your credit report to make sure inaccuracies aren't impacting your credit.

Annual Percentage Rates (APR) shown are determined based on your credit rating, term, and an estimated loan-to-value ratio. Your application is subject to credit approval using your application and credit information. Additional terms and conditions apply, such as vehicle age and mileage. Typically, down payment requirements are determined based on individual circumstances.

Loan payment examples:

New Vehicle Loan: $18.13 per month per $1,000 borrowed at 3.34% APR for 60 months.
New RV/Personal Watercraft: $18.40 per month per $1,000 borrowed at 3.94% APR for 60 months.
Rate includes .50% reduction with automatic payments.

Rates are subject to change.

Rates shown are "as low as." Rates are subject to change without notice.

1 If your vehicle model year is the current year or within the previous two years and the mileage does not exceed 30,000, we consider it new. If your vehicle model year is within the past nine years and the mileage does not exceed 125,000 miles, we consider it used. We also have a program for older autos.
2 Depends on amount financed, age of vehicle, mileage, and member’s credit history.
3 These transactions will have 0.25% added to the interest rate.
4 Rate shown is for a new car loan with a term of 60 months. Rate includes a 0.50% discount for automatic payments from a checking or savings account or payroll deductions. Payment example is for demonstrational purposes only. Actual rates will be determined individually based on the amount financed, the term of loan, the model of vehicle, and member’s credit history. Your rate may be higher. Other restrictions may apply. Rates shown are "as low as." Rates are subject to change without notice.
5 APR = Annual Percentage Rate

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