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What Is It?
New & Used Auto Loans from Yolo Federal
At Yolo Federal, our why is you—and that means offering some of the most competitive auto loan rates around. No hidden fees, no surprises—just straightforward financing that helps you get where you need to go.
So, whether you’re buying new or upgrading your current ride, we’re here to help you hit the road with confidence.
Limited-Time Auto Loan Rate Sale – Rates as low as 3.64% APR*!
From now through March 31, 2025, get pre-approved for a great, low rate on a new auto loan—rates as low as 3.64% APR*. Now is the time to finance your next ride and keep more money in your pocket.
Don’t wait—apply now before this limited-time offer ends!
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 | 3.64% | 3.64% | $43.26 |
| Up to 36 Mo. | N/A | 3.64% | 3.64% | $29.36 | |
| 37-48 Mo. | N/A | 4.79% | 4.79% | $22.93 | |
| 49-60 Mo. | N/A | 4.79% | 4.79% | $18.78 | |
| 61-72 Mo. | $15,000 | 4.79% | 4.79% | $16.01 | |
| 73-84 Mo. | $20,000 | 4.79% | 4.79% | $14.04 | |
| 85-120 Mo. 3 | $30,000 | 4.79% | 4.79% | $10.50 | |
| 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: February 14, 2025. 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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Who qualifies for the new lower auto loan rates?
This special rate reduction is available for New Auto Loans only. If you’re purchasing a new vehicle, you may qualify for a rate as low as 3.64% APR*.
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Can I refinance my current auto loan at the new lower rate?
Internal refinances are excluded, but may be considered on a case-by-case basis. If you’re looking to refinance a loan from another financial institution, contact us to see what options are available.
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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.
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Disclosures
*APR=Annual Percentage Rate. Final rate and term is based on creditworthiness. Payment on a term of 24 months equals $43.26 per $1,000 financed. Up to 100% financing available. Discounted rate available for new vehicles only. New Auto discounted rate cannot be combined with another offer. Rate effective February 14, 2025. Rates subject to change. Restrictions may apply.