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What Is It?
New & Used Auto Loans from Yolo Federal
When you choose Yolo Federal, you get transparency and some of the lowest rates on the road. No confusing jargon, no tricks.
So, whether you’re looking for a new ride or want to refinance the one you already have, you can trust us to be unfiltered in helping you keep more of your money each month.
Why Yolo Federal
Unfilter Your Ride
Rates & Fees
| Loan Type | Term in months | Minimum Amount | Rate as low as | APR1 | Payment per $1,0002 |
|---|---|---|---|---|---|
| New Auto | Up to 24 Mo. | N/A | 5.64% | 5.64% | $44.16 |
| Up to 36 Mo. | N/A | 5.64% | 5.64% | $30.26 | |
| 37-48 Mo. | N/A | 6.79% | 6.79% | $23.85 | |
| 49-60 Mo. | N/A | 6.79% | 6.79% | $19.70 | |
| 61-72 Mo. | $15,000 | 6.79% | 6.79% | $16.95 | |
| 73-84 Mo. | $20,000 | 6.79% | 6.79% | $14.99 | |
| 85-120 Mo. 3 | $30,000 | 6.79% | 6.79% | $11.50 | |
| Used Auto | Up to 24 Mo. | N/A | 5.64% | 5.64% | $44.16 |
| Up to 36 Mo. | N/A | 5.64% | 5.64% | $30.26 | |
| 37-48 Mo. | N/A | 6.79% | 6.79% | $23.85 | |
| 49-60 Mo | N/A | 6.79% | 6.79% | $19.70 | |
| 61-72 Mo. | $15,000 | 6.79% | 6.79% | $16.95 | |
| 73-84 Mo. | $20,000 | 6.79% | 6.79% | $14.99 | |
| 85-120 Mo.3 | $30,000 | 6.79% | 6.79% | $11.50 |
APR=Annual Percentage Rate. 100% financing available. Effective Date: November 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.
1 Based on loan balance of $10,000 or minimum amount required for term.
2 Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.
3 Mobility Loans: Extended terms from 85-120 months apply to vehicle loans with mobility options only. Up to 90% financing only. Other restrictions may apply.
Green Loans: Yolo Federal Credit Union offers a .30% rate discount. To qualify, the vehicle must meet the IRS guidelines for energy efficiency tax credits.
Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount.
Rates, Financing Amount and Terms: Some restrictions apply. Rates shown may not apply to every borrower, and the higher rates may be charged to other borrowers depending on their credit qualifications. Rate and term will be determined by member's credit worthiness. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc. For additional details regarding a specific category, please consult a credit union member services officer.
FAQs
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Do you finance vehicles from other states?
Vehicles must be registered in the state of California to be financed. If you’re looking to purchase an out-of-state vehicle, please contact our Member Service Center at MemberService@yolofcu.org or call (530) 668-2700.