Smart Financing for the Road Ahead
Affordable auto loans with competitive rates and flexible terms designed to get you on the road faster.
Brighten Your Holiday Season with No Auto Loan Payments for 90 Days
At EFCU, we understand that buying a vehicle is one of life’s major purchases. Our member-owned auto loans feature rates as low as 4.44% APR*, flexible terms, and fast, friendly service that makes the process smooth from start to finish. Finance your new, used, or refinanced auto loan with no application fees, fast approvals, and a payment-free first 90 days—so you can focus on the road ahead while we handle the rest.
No Application Fees
Apply with confidence knowing there are no hidden costs or application fees to get started.
Fast Approvals
Get pre-approved before shopping so you can negotiate with confidence at the dealership.
Flexible Terms
Choose terms from 12 to 72 months* and finance up to 120% of the purchase price.
90 Days Payment Free
Enjoy 90 days of no payments during the holidays to lessen the "shock of shopping"
Simple Application Process
Gather Your Current Loan Info
Have your current APR statement ready
Apply for Refinancing
Apply online, by phone, or in person
Receive Your Approval
Get approved with your new lower rate
Start Saving
Complete paperwork with our help and enjoy lower payments
Frequently Asked Questions
*APR = Annual Percentage Rate. Terms and conditions apply. $15K minimum loan for 72-month term. $35K minimum loan terms greater than 72 months. The advertised 4.44% APR* is for a 36-month term and is a fixed rate that includes a 0.25% "Auto Pay" discount, which requires a direct deposit minimum of the payment amount with automatic transfer payments or City of Escondido payroll deduction payments. Rates effective as of 10/6/2025. Subject to credit approval. Rates and terms are subject to change without notice. Once the Auto Loan is approved, billing will begin ninety (90) days from the loan closing date. Interest will continue to accrue during the period in which no payment is due. Offer valid 10/1/25 - 12/31/25. Federally insured by NCUA.
Auto Loan Calculator
Estimated Monthly Payment
Total Loan Amount
$20,000
Total Interest
$3,893.79
Ready to Apply?
Get pre-approved in minutes and shop with confidence.