Home & Auto

Auto Loans

three men sitting in and standing next to car laughing

People depend on you. Ready for a car you can depend on?

Let us help take the guesswork out of getting there.

Shopping for your vehicles should be a rewarding experience. We help you by getting you preapproved for your car purchase even before you set foot onto a car lot.

Today’s Auto Rates

Auto Loans

Loan Type

APR

Terms

Rate Type

Loan Type

New Auto

APR

3.74% - 12.49%

Terms

Up to 5 years

Rate Type

Fixed Rate

Loan Type

New Auto

APR

4.24% - 12.99%

Terms

6 years

Rate Type

Fixed Rate

Loan Type

New Auto

APR

4.99% - 9.74%

Terms

7 years

Rate Type

Fixed Rate

Loan Type

Used Auto

APR

4.74% - 13.49%

Terms

Up to 5 years

Rate Type

Fixed Rate

Loan Type

Used Auto

APR

5.24% - 13.99%

Terms

6 years

Rate Type

Fixed Rate

Loan Type

Autos over 8 model years (2009 & older) and/or 100,000 miles)

APR

16.95% - 18.00%

Terms

6 years

Rate Type

Fixed Rate

The Car Buying Process

Strata Credit Union offers financing for your next car or truck.

Get Preapproved

Preapproved for your auto loan even before you buy. We handle the loan when buying through a dealership.

Shop for your vehicle

We give you a certificate when you go to a dealership. You already know how much you can afford and what your payments will be. Once you find the right car, just show the certificate to the finance officer.

Show the financing certificate and drive away

Once your paperwork is processed, drive off with your new car.

Getting an auto loan is easy and fast

  • Get up to 120% financing for used cars, trucks, or SUVs*
  • Financing available for private party purchases
  • Refinance an existing loan from another lender for a great low rate!
  • Repayment terms up to 7 years for affordable payments
  • In-house processing for a quick decision

Visit our electric car charging station at our downtown branch

We have invested in giving individuals who want to decrease their carbon footprint a DC Fast Charge electric vehicle charger.  A DC Fast Charger allows a fully electric vehicle to get a near full charge within a half hour.  Our DC Fast Charger is the cheapest charge in town and if you finance your EV vehicle with Strata CU you get free charging for the life of your loan.

car charging station

Fill up with the rays of the sun*

Apply for a car loan today

Sit down with a Financial Services Rep
Schedule an appointment
Apply online
Start Application
Call Us 24/7

(661)327-9461

Toll Free: (800)336-5376

FAQs

Apply online, in person or over the phone – it’s that easy.  Your loan officer will help you facilitate this simple process.

Contact us to refinance your auto loan today.

 

With online banking you can set up external transfers while within online banking. Sign into online banking and select “Add External Accounts” in the left navigation. Follow the instructions on the screen to set up the link between our online banking and your other financial institution.

external accounts

Part of the process will be to verify micro-transactions sent to the external account you indicated to ensure the connection is secure and successful. After you have successfully finished verifying you will be able to transfer money to make your loan payment from within Online Banking.

Disclosures

*Based on credit approval different terms may apply

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