Rancho Federal Credit Union Loan Services
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Vehicle Financing Options

New Auto Loans

RFCU provides auto loans with your best interest in mind. We finance up to 100% of the cost of your new vehicle, including tax and license. Get pre-approved before you shop. Loan terms of up to 60 months or more are available to make your payments affordable. Use the loan calculator to determine your payments.

Click here for our current rates and terms.
You can apply online or you may mail, call or visit one of our branch offices.
Apply Now

Used Auto Loans

Up to 100% financing of the wholesale Kelley Blue Book value is available on pre-owned vehicles (5 years old or newer) including tax and license and Mechanical Breakdown Insurance. Your rate is determined by the amount financed and your credit score. We also offer vehicle refinancing to help you reduce your payments or get cash out if you have equity in your vehicle. Click here for current rates and terms. You can apply online, or call or visit one of our branch offices to apply.

Kelley Blue Book provides guidance in what kind of vehicle to buy through decision guides, side-by-side comparisons, car reviews and other tools, tips and advice. Kelley Blue Book continues to be the most recognized and respected brand in automotive awareness studies.

Click here for our current rates and terms.
You can apply online or you may mail, call or visit one of our branch offices.
Apply Now

Insurance

Mechanical Breakdown Insurance (MBI)
MBI provides protection and peace of mind comparable to the extended warranties sold by car dealers. Compare the cost of our MBI to dealer programs, and you will realize major savings at RFCU.

Guaranteed Asset Protection (GAP)
GAP covers you for the difference between the market value of your vehicle and the loan or lease balance in the event the vehicle is stolen or totaled in an accident. GAP also covers your insurance deductible, up to $1000. Ask your Loan Representative for details about GAP when you apply for your auto loan.
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