Refinance
Your Auto Loan
at SESLOC and Save
Refinance Your Auto Loan
At SESLOC and Save
You Could Lower Your Monthly Payment Today!
When you get an auto loan from another lender, you often get the best loan for them, not for you. No matter where your road goes – the commute to work or school, up the California coastline, or across the country – you deserve to get the lowest loan payment you qualify for.
SESLOC members save when they refinance their auto loan with us.
Featuring some of the lowest auto refinance rates in our market, you could help your budget go further. Get qualified today to see your savings with your personalized rates and term.
What could you do with the extra money each month?
TODAY’S RATE
as low as
6.09%
APR*¹
for a new vehicle up to a 60-month loan term.
You may be eligible for rate discounts!
See details below.
Take the highway to a low rate.
Or call us at (805) 543-1816 or visit any branch to get started.
Why get an Auto Loan Refinance with SESLOC?
When you trust SESLOC Credit Union with your auto refinance, you’re getting our best rate because we believe in people helping people. Your loan isn’t being added to a bank’s portfolio to boost their stock price. Your money stays local and benefits other members and their communities. The advantages of an auto loan refinance with SESLOC include:
Quick and Easy Application
All we need is a little information about you and your car to get started, including how much you currently owe.
Fast Approvals
Get your decision in as little as one day, complete with your rate and loan terms.
Competitive Rates, No Fees
One of the most affordable lenders in central and coastal California, with no application or processing fee to refinance an auto loan.
ITINs Accepted
You can apply with an ITIN to start your loan and become a member.
Terms up to 84 months2
Customize your loan based on your needs – pay it down quickly with a 36-month loan, or extended it out to 84 months for the lowest payment.
No Payments for 90 Days
Take a break from car payments with the option of deferring your loan payments for the first 90 days after funding.3
Auto Loan Specials
Even more ways to save
- Earn a 0.25% rate reduction by enrolling in our HomeFREE Discount program, which simply requires scheduling automatic recurring transfers for auto loan payments from a HomeFREE Checking account.4
- Earn a 0.25% rate reduction when you finance 80% or less of MSRP or high Blue Book (plus tax and license).5
- Get a discounted rate up to 0.38% with our Level Up Member Benefits program.6
Giving Back with Every Auto Loan Refinance
When you auto refinance with SESLOC, your money directly benefits those who live, work, or worship in San Luis Obispo, Santa Barbara, Ventura, Monterey, Santa Cruz, Tulare, Kern, Fresno, and Kings counties. Our decisions are always made locally – not by Wall Street investors.
Through saving money on your monthly loan payment, you are helping teachers buy educational supplies for their classrooms, fellow members build their savings accounts, and first-time homeowners get the keys to their dream house. Every payment remains focused on building our communities every day.
Make the most out of your auto loan refinance by opening a HomeFREE Checking account to earn valuable rewards points, or a Save to Win 12-month Share Certificate to watch your savings grow. And even if you move out of the area, you’ll keep your benefits if you remain a member in good standing.
Did you just refinance your auto loan at SESLOC?
Congrats! You may need to submit your vehicle’s insurance information. Get started here »
APR = Annual Percentage Rate.
* All loans subject to credit approval and other underwriting criteria; not every applicant will qualify. APR and terms vary based on credit worthiness, other conditions and specific vehicle qualifications. Rates, terms and conditions are subject to change without notice.
1. Lowest rate displayed is for an auto loan to an existing SESLOC member, for a 60 month loan term and includes a 0.25% rate reduction based on 80% financing or less. Rate and APR are greater for a non-member applying for a vehicle loan through an auto dealership. APR is 2.00% higher for vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Financing available up to 120% of MSRP or Retail Kelley Blue Book, plus tax and license. Payment Example: A $25,000 loan at 6.09% APR for 60 months would have an estimated payment of $484.37.**
2. Payment Example: A $30,000 loan, at 7.19% APR for 84 months, would have an estimated monthly payment of $455.57.*
3. Payments may be deferred 90 days from the date the loan is funded; interest accrues from the funding date and during the deferral period. Terms, conditions, eligibility and restrictions apply.*
4. Terms, conditions, eligibility and restrictions apply. Please see the HomeFREE Discount Program details.*
5. May not be combined with other offers; does not apply to special promotional rates.*
6. Terms, conditions, eligibility and restrictions apply. Please see the Level Up Member Benefits Program details.*
The best place to bank
is not a bank.
It’s here. At SESLOC.
Auto Buying
From the News+ Blog
Buying Your First Car? This is What You Need to Know:
Shopping for your first car is exciting, but it can also feel intimidating. It’s a major commitment, but one that will give you the freedom to go where you want, when you want. Before you head to the car lot, set yourself up for success by following these steps:
What to Know About Private Party Auto Loans
If you’re planning to buy a car directly from a seller, you might be interested to know that SESLOC can finance your purchase — just like if you were buying from a dealership. This arrangement is called a private party sale, and this is what you can expect:
6 Money Saving Tips for Car Owners
Car ownership is an investment that gives you the freedom and flexibility to travel on your terms. But as car owners know, it can be expensive. Besides budgeting for the payments, you must plan for the costs associated with registration, insurance, fuel, and routine and emergency maintenance.
Shawn
Dan
Mary
Jennie
Mary
Lanie
Greg
Stacey
Aja
Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
