Escondido Federal Credit Union

Online Banking Login
Forgot Password?

Auto Loans


Whatever car you’re dreaming of, we can help put it in your driveway

Whether it’s a bright red sports car or a hybrid SUV for family adventures—or even your very first car ever—EFCU can help put you behind the wheel. We offer various loans and flexible payment plans that you can afford.

More Than Just Excellent Auto Loans

True, Escondido Federal Credit Union's new and used auto loans have rock-bottom rates that save you a lot of money, but we offer more products and services that make your car-buying and car-owning experiences even better. Much better than through a dealer or other financial institution. EFCU's loan terms range from one to seven years, so you know there's a loan to fit your needs. We offer Guaranteed Auto Protection (GAP) to protect your pocketbook, as well as Mechanical Breakdown Insurance (MBI) to protect your vehicle.



Come and get pre-approved financing before you visit the dealership and avoid the hassle of negotiating over financing. Concentrate on finding the vehicle you want!


  • Choose terms from 12 to 72 months and more*
  • Finance up to 120% of the purchase price
  • Skip a payment during the Holidays to lessen the "shock of shopping"
  • Get a low interest rate and keep the dealer rebate, if offered
  • Cars, trucks, vans and SUVs
  • Recreational Vehicle loans also available


*Terms and conditions apply. $15K minimum loan for 72-month term. $35K minimum loan terms greater than 72 months.

You must become a member in order to open an account or apply for a loan.

Who is eligible to join?
  • Employees of, retired employees of, volunteers for, and elected and appointed officials of the City of Escondido.
  • Employees of and volunteers for the California Center for the Arts, Escondido.
  • Family members of each employee/volunteer group.
  • Organizations of and for the membership.
Family members are eligible too! No matter where they live.