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auto loans

Auto Loans - Up to 100% Financing Available 

If you want to buy a new or pre-owned vehicle from a car dealer or private party, or refinance your current vehicle, trust Foothill to provide you with a loan option that meets your needs. At Foothill, you can obtain a FREE auto pre-approval online in minutes, and there are never any obligations.

If you're shopping for a car an are unsure of what you can afford, try our FREE auto Loan Calculator to help make your decision.

Auto Buying Service: New Cars, Inc.

Let's face it, buying a new or pre-owned car is a daunting process - one that not many people like to undertake.  For some, dealing with car salesmen or the nightmare of negotiating is enough to put off the process till the last minute.  But it doesn't have to be that way anymore.  Foothill Federal Credit Union has partnered with New Cars, Inc. (NCI) to take the stress out of buying your next new (or new to you) automobile.   

New Cars, Inc. Will Help You "Drive a Better Buy"

Since 1986, NCI, our auto-buying service, has delivered in excess of 60,000 new and pre-owned vehicles to credit union members. Why spend hours going from dealer to dealer searching for a car, and then negotiating with the dealer for hours? Call our exclusive in-house vehicle advisor at (800) 748-5747 to find the car of your dreams at the best price.
Looking for a pre-owned car? NCI has a large selection of pre-owned cars, trucks, vans and SUV’s for sale. All have been independently inspected and come with a 48-hour money back guarantee.  Click here to browse through NCI's Used Car Store.

New Cars Inc. Will Deliver Your Car... How's that for service!

In most cases, NCI can deliver a car to your home or work within 24 hours, or the car can always be delivered to one of our convenient branches. Call today and we can help you “Drive A Better Buy”!

Boats, Motorcycles, and RV Loans

Whether you are purchasing a new or pre-owned boat, motorcycle, RV, or refinancing your existing loan, Foothill Federal Credit Union can design a financing program to meet your unique needs.

Apply online or give us a call at (626) 445-0950 ext.5002. Our professional team of loan specialists have years of experience and are available to help answer your questions throughout the process.



Knowing you have insurance gives you Peace of Mind

Mechanical Repair Coverage

You purchased collision insurance to cover damages to your new car in case of an accident, and comprehensive insurance to cover against damages such as your windshield breaks or your car is damaged in a storm. But what happens when your air conditioning dies or your automatic windows won't close, just after your car is out of warranty? Drivers are turning to MEMBER'S CHOICE Mechanical Repair Coverage for the answer.

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc.

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) helps protect your vehicle's loan. It helps cancel the difference between what you owe, compared to what the vehicle is worth in case it is totaled or stolen. Protect your new vehicle and your good credit... COVER THE GAP!

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of GAP.  If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP.


0% Financing seems to good to be true

The saying goes "If it seems to good to be true, it probably is". When you first hear the offer, it sounds great––you get a vehicle loan with no interest payments––what's not to like? Well, did you happen to notice all that fine print underneath the offer? Let's take a closer look.

  • 0% financing is offered only to those who qualify. To qualify, you need to have nearly perfect credit, a high annual income and a nearly perfect employment history. Reality? Very few people qualify.
  • 0% financing is offered in lieu of other rebates. To receive the 0% interest rate, you have to give up any other rebates available
  • 0% financing is offered only on certain vehicles. 0% financing is usually restricted to vehicles that the dealers have on their lot, which may limit your choices. The vehicles they have may also have bells and whistles that you don't need or want, which can add thousands to the sticker price.
  • 0% financing may require a larger down payment. If you're upside down (you owe more on the vehicle than it is worth) on your current vehicle, the dealer may not accept that as your down payment. So, you'll need to have the cash out of pocket for a down payment and figure out another way to sell your vehicle.
  • 0% financing does not guarantee that you'll receive the best price on the vehicle. Some manufacturers increase the overall price to make up for not receiving any interest payments. Remember, the price of the vehicle is separate from the financing. Always be sure to negotiate your best deal.

Foothill Financing is Still Your Best Deal

Let's look at this example: You want to purchase a $20,000 vehicle. You have $2,000 as a down payment. You qualify for 0% financing and you qualify for a 2.50%* loan from Foothill Federal Credit Union each for 36 months. Which is the better choice?

  Dealer with 0% Financing Foothill
Vehicle Price $20,000 $20,000
Down Payment $2,000 $2,000
APR 0% 2.50%*
Loan Term 36 Months 36 Months
Manufacturer's Rebate $0 $2,500
Loan Amount $18,000 $15,500
Monthly Payment $500 $447
Total Amount Paid $18,000 $16,105
Total savings by going with Foothill  $1,895

Financing only affects the interest you'll pay on your vehicle loan. Rebates reduce the total price of the vehicle. So, if you qualify and take the 0% loan, you'll pay more than if you took the 2.50% loan and $2,500 in rebates. Why? Because the total cost of the vehicle is more without the rebates. Bottom line: the total amount you pay for the vehicle is important, not the finance rate.

Before you head to the dealership:

    1.    Do your homework––research the car's value and see available rebates
    2.    Stop by Foothill to get pre-approved for your loan. Then you'll be ready to negotiate and walk out with the vehicle, rebates and loan payment you want.

Hint: Credit Union Financing + Manufacturer rebates = Your Best Financing Option

* Includes a .25% deduction for having an auto transfer with direct deposit or payroll deduction

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