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Santa Clara County Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 20 October 2023
Fact checked

Santa Clara County Federal Credit Union auto loans overview

Santa Clara County Federal Credit Union logo

Santa Clara County Federal Credit Union (SCCFCU) has flexible vehicle financing options with low rates and long terms. SCCFCU offers loans for motorcycles, recreational vehicles, boats, and trailers, too. On top of a range of choices, members with limited credit history or no FICO score can also secure competitive loans.

Want to see what an SCCFCU auto loan will cost? Try the Santa Clara County Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Santa Clara County Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100%.
  • Interest rates: 6.310% to 17.990% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

SANTA CLARA COUNTY FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can purchase or refinance pre-owned and new vehicles through SCCFCU. Interest rates begin at 6.310% APR, and repayment terms can stretch up to 84 months. Other than great rates and terms, you may get a $100 cash back when you refinance your auto loan from another lender.

College auto loan program

If you’re a student at an accredited college, university, or trade school or a recent graduate, you can consider the college auto loan program. You can secure rates from 10.310% APR for up to 60 months. To qualify, you should have a limited credit history or no FICO score and a down payment.

Motorcycle loans

You can also finance motorcycles up to $25,000. Rates range from 7.910% to 14.660% APR, and terms can be up to 60 months.

Recreational vehicle and boat loans

Loans for recreational vehicles, boats, and trailers are available, too. You can lock in rates ranging from 7.910% to 16.960% APR and have payment periods of up to 180 months.

Santa Clara County Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Santa Clara County Federal Credit Union

Santa Clara County Federal Credit Union auto loan

Santa Clara County Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Santa Clara County Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for an SCCFCU auto loan

Eligibility criteria

Santa Clara County Federal Credit Union doesn’t specify the criteria for car financing, but you should commonly be:

  • A Santa Clara Credit Union member
  • At least 18 years old
  • A legal resident
  • Employed or have a reliable source of income

Try to boost your credit before applying, too. A high credit score will show that you can manage your debts and repayments. So, financial institutions may be more willing to offer you their lowest rates.

How to join Santa Clara County Federal Credit Union

SCCFCU membership is open to:

  • Active or retired employees or volunteers of Select Employer Group
  • Family and household members of SCCFCU members
  • American Consumer Council members
  • Students of qualified schools

What you’ll need to have ready

Personal details

When you apply for auto financing with Santa Clara County Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide SCCFCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Make sure you’re also familiar with the steps of getting a car loan. Understanding the process can help make your application faster and easier.

Ways to apply for a Meriwest CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (408) 282-0700 or (800) 282-6212

Additional Santa Clara County Federal Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: Possible lower APRs for members with excellent credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Up to 10 years.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive interest rates.
  • Longer loan terms.
  • Up to 100% financing.
  • $100 cash back when you refinance.
  • Convenient car-buying services.
  • Easy online application.
  • Auto loan program for borrowers without credit scores or with limited credit history.
  • Purchase and refinance available.
  • Tailored loans for new and used automobiles, motorcycles, boats, recreational vehicles, and trailers.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Potential higher rates for borrowers with low credit scores.

FREQUENTLY ASKED QUESTIONS

How much interest does the Santa Clara County Federal Credit Union charge on auto loans?

New and used vehicle loans range from 6.310% to 17.990% APR.

What is the maximum length of an SCCFCU car loan?

You can choose loan terms of up to 84 months.

Does Santa Clara County Federal Credit Union refinance vehicle loans?

You can transfer your existing auto loan to Santa Clara Credit Union and potentially earn a $100 cash back.

How much do I qualify for with an SCCFCU auto loan?

You may borrow up to 100% of the MSRP for new vehicles or blue book value for used vehicles.

Will applying for a car loan with SCCFCU affect my credit score?

A formal loan application will require the credit union to conduct a hard credit check. So, this will appear on your credit report and temporarily lower your credit score. To improve your credit, make sure you consistently meet your loan repayments.

What car-buying services does Santa Clara Credit Union offer?

Santa Clara County Federal Credit Union offers auto-buying services through Enterprise and Autoland.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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