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

Auto Loan Special

Get a 2% drop in your Auto Loan APR if you:

  1. Have financed an auto at another lender within the last 12 months
  2. Have no late payments on the loan
  3. Are currently employed

Offer is good from 5/20/2019 – 7/29/2019.

Additional rebate of 0.25% APR is available for establishing automatic payment from a Strata CU Checking Account. Loans currently financed at Strata CU are not eligible.* (See full details in disclaimer section below)

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

Interested in an additional discount on your loan rate?

Talk to one of our loan officers to see how you can get a discount on your auto loan rate. By setting up auto-pay through a Strata CU checking account you can qualify for a discount.

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

Qualifications:

*Applicants who: 1) have financed an auto at another lender within the last 12 months, 2) have no late payments on that loan, and 3) are currently employed- are prequalified to refinance their auto loan at Strata Credit Union at a rate equal to 2.0% below their current APR, with an additional rebate of 0.25%APR offered for establishing automatic payment from a Strata Checking Account. Offer is subject to a floor rate 3.49% APR. Applicants with longer established loans may also qualify for these terms, subject to a full review of their credit and other factors.

Loans currently financed at Strata CU are not eligible. Offer is good from 5/20/2019 – 7/29/2019. Membership in good standing with Strata Credit Union is required. Strata Credit Union is Federally insured by NCUA.

 

**Based on credit approval different terms may apply

The link you clicked will take you to one of our partner websites. We don’t control the content of our partner sites. Please review their Privacy Policy as it may differ from our Privacy Policy. We hope you found the information you were looking for from Strata Credit Union.

Cancel Accept