First car or next car, we make buying easier — Member-first rates, 90 days to your first payment, and financing ready at 600+ California dealerships.
"Getting preapproved put me in the driver's seat — I knew my budget and negotiated like a cash buyer."
Walter M.
Member since 2009#1 Credit Union for Member Banking Satisfaction
Recognized by J.D. Power — because Members come first.
Every auto loan comes loaded with Member-first extras that keep paying off long after you drive home.
Get approved first, then shop anywhere — write a check and use it like cash at the dealer or with a private seller.
Make no payments for the first 90 days, so there's room to breathe right after you buy.
Interest accrues from day oneRoll in tax, license, and protection products with financing for up to 130% of the vehicle's value.
Life happens. Skip up to three payments over the life of your loan when you need a little flexibility.
Your rate automatically drops 0.50% every year you make your payments on time — just for staying with us.
Automatic · every on-time yearSet up automatic payments from your SchoolsFirst account and the discount is already built into the rates above.
New, used, or refinancing from another lender — they all price the same way, with the 0.75% autopay discount built in.
Preapproval in minutes
Walk onto the lot knowing exactly what you can spend. A SchoolsFirst preapproval gives you a real budget and real negotiating power — before a salesperson ever quotes a payment.
However you like to shop, your SchoolsFirst financing comes with you to 600+ California dealers.
Easy financing at 600+ dealers across California — Honda, Toyota, Ford and more.
Quality used cars inspected by certified technicians, with no-haggle pricing.
A personal shopping consultant finds, negotiates, and delivers the car for you.
See what others paid and shop with upfront, guaranteed pricing in your area.
Optional protection you can add right into your loan — so a surprise never derails your budget.
Pays off any remaining loan balance if your car is totaled or stolen and insurance falls short.
Helps with repair costs for covered breakdowns long after the factory warranty ends.
Cancels your monthly payments if you become disabled or unexpectedly lose your job.
"They made sure I was covered for anything — GAP, a repair plan, the works. Forty years a Member and they still look out for me."
Apply online in minutes, or get preapproved so you know your budget before you shop.
Use your convenience check or FastTrack financing at 600+ dealers — or buy from a private seller.
Sign, set up autopay for the extra discount, and enjoy 90 days before your first payment.
Join the credit union built by and for California's school community. It takes about 10 minutes.
