Smart Financing for the Road Ahead
Affordable auto loans with competitive rates and flexible terms designed to get you on the road faster.
Why Choose Escondido FCU for Your Auto Loan?
At EFCU, we understand that buying a vehicle is one of life's major purchases. That's why we've designed our member-owned auto loans with low rates, flexible terms, and personalized service that fits your budget and lifestyle. Whether you're buying new, used, or refinancing, our team makes the process simple and stress-free with no application fees and fast approvals—so you can focus on finding your perfect vehicle 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.
More Benefits
Skip a payment during the Holidays to lessen the "shock of shopping"
Simple Application Process
Get Pre-Approved
Apply online, by phone, or in person
Find Your Vehicle
Shop with confidence knowing your budget
Finalize Your Loan
Complete the paperwork with our help
Drive Away Happy
Enjoy your new vehicle with affordable payments
Frequently Asked Questions
*Terms and conditions apply. $15K minimum loan for 72-month term. $35K minimum loan terms greater than 72 months.
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.