Auto Loans

  • Low monthly payments
  • Competitive interest rates
  • Flexible terms up to 84 months
  • No pre-payment penalty
Apply for a Loan

“I’ve been an active member for a couple years now and just got approved for my 3rd auto loan with Edwards. I appreciate the rewards and promotions they have and the lending I’ve received through them. EFCU made the process easy and was very helpful! Glad to do business with them.” —Mary R.

Find out more about how vehicle refinancing can save you money.

Save big with vehicle refinancing

We can also help you find a great deal with Autoland

It’s easy! We’ll help find the right vehicle for you, negotiate a fair price, guide you through financing with Edwards FCU, help with your trade-in, and even arrange for vehicle delivery to your Edwards FCU branch. You’ll save money and skip the hassle associated with salespeople and dealerships.


Call Us at 800.234.6999 to Get Started!

You can also, visit a branch, or Apply Online.

Here’s How it Works:

  1. We’ll assign an Autoland Personal Vehicle Shopper with no obligation!
  2. Select your new or pre-owned car, SUV, van, or truck from Autoland’s vast network of affiliated California dealers with the make, model and options you desire.
  3. Negotiate a price based on Autoland’s special dealer pricing.
  4. Get a great deal on your trade in.
  5. Pick up your vehicle at your Edwards FCU branch (or your home or office).

84 month terms available for loan amounts of $30,000+; Edwards members must reside in California to purchase through Autoland

Rates and terms are available based on credit rating and vehicle value. All loans are based on approved credit and we reserve the right to decline credit. Please call or check our Rates Page for additional information. Comprehensive, collision, and liability insurance coverage is required with deductibles of no more than $500. The vehicle title and insurance coverage must show Edwards FCU as the legal owner. The named person must sign all documentation required by Edwards FCU to allow the transfer.


* 2.22% is our best auto loan rate on approved credit and up to 130% financing on vehicle purchases and refinances from another institution, for a maximum 60-month term. Other rates and terms may apply. Monthly payments for 2.22% APR and 60-month term are estimated at $17.62 per $1,000 borrowed. New and Used Vehicle loans are available for model years 2011 or newer. This offer is not available for Indirect Auto Loans from dealerships. Existing EFCU loans not eligible for refinancing. Auto loans available only in California. EFCU membership required. Rates are subject to change. Offer expires 6/30/22.

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