Auto Advantage


Enjoy the benefits of leasing while retaining the title of your vehicle. 

Get behind the wheel of your dream car. If you like the advantages of a lease - but not the terms - SEFCU's Auto Advantage offers so many advantages!



Rates valid for

model years 2018–2024

Features & Benefits

Competitive rates

  • Less money out of pocket
  • Lower monthly payments
  • Buy new or used
  • Terms up to 72 months
  • Calculator to determine your estimated monthly payment.



Auto Advantage

Approximate Repayment Term APR* as low as
24 Months 4.99%
36 Months 4.99%
48 Months 5.24%
60 Months 5.49%
72 Months 5.99%

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Apply for a SEFCU New Car Loan today

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View documentation required for your loan application

Visit a branch near you

Call 800-727-3328

Financial Education


Auto Advantage

Rates as low as 4.74% APR

Lease-like benefits without the restrictions

Save up to 40% compared to traditional car loans

View Auto Advantage

More to think about...

Online Loan Payments

Online loan payments

Pay your SEFCU loan from an account at another financial institution from your phone, tablet, or computer

Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required.

* Annual Percentage Rate. Published rate applies to vehicle model years 2018 and newer. Rate listed assumes credit worthiness. Other rates and terms may apply. Monthly loan payment example for a 60-month term for a $25,000 loan at 5.24% for the first 59 months, with no payment protection, would be $234.04. If only the minimum payment of $234.04 is made for those 59 months, a balloon payment (also referred to as Residual Value) of $16,762.00 will be due as your final payment. Please note that your balloon payment is dependent on the residual value of the financed vehicle. The residual value is impacted by items such as estimated mileage usage, vehicle year, make and model. Rates accurate as of today - February 2, 2023 and subject to change without notice. SEFCU offers a rate reduction of 0.25% based on the published rate for Active U.S. Military and Veterans. Learn more about Paying it Back.
Year Loan Term Mileage May NOT Exceed
Future Model Year
24, 36, 48, 60, 72
Current Model Years
24, 36, 48, 60, 72
1 Year Old Models
24, 36, 48, 60, 72***
2 Year Old Models
24, 36, 48, 60, 72
3 Year Old Models
24, 36, 48, 60, 72
4 Year Old Models
24, 36, 48, 60, 72
5 Year Old Models
24, 36, 48, 60, 72
** SEFCU limits terms based on vehicle year due to future residual value.
*** Monthly Financing is available on all "New" previous (up to 1) Year models. Untitled previous year models with 3,000 miles or less on the odometer are considered new.