Vehicle Loan Financing

Foothill offers better than bank rates, fast and easy application process, no prepayment penalties and you can close your loan online to get the money faster for your vehicle. Apply online or over the phone and get pre-approved before you go to the dealer. Funds are available the same day in most cases.

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Auto and Truck Loans

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.

Up to 100% Financing Available, No Loan Origination Fee!

• Up to 100% financing for new vehicles
• Low rates, with terms up to 84 months
• Interest rate discounts available
• No application fee
• Get pre-approved online before going to a dealership
• Skip-a-Pay options available through online banking

Apply online or give us a call at (626) 445-0950, press 1. Our professional team of loan representatives have years of experience and are available to help answer your questions throughout the process.

Auto Loan Rates

Automobile and Truck Rates
Effective Date: Friday, January 15th, 2021
100% of Retail on Purchases
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
3.15%*-16.50%	N/A	Up to 36	$29.07-$34.93
3.15%*-16.50%	N/A	48	$22.14-$28.21
3.35%*-17.25%	$10,001	60	$18.07-$24.63
3.60%*-17.25%	$20,001	72	$15.42-$22.07
3.60%*-17.35%	$30,001	84+	$13.45-$20.34
*Rate discounts may apply: 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction. 0.25% discount for our school and hospital employees. 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.

First Time Auto Buyer Loan

Designed for Money Bound Members (18 to 24)

Foothill recognizes the difficulty to obtain a loan because of limited credit or no credit history. This loan will not only help our young members get the financing they need to purchase their first vehicle, but will also help build their credit history.

• Up to 100% financing
• Terms up to 60 months
• Automatic payroll deduction available for easy repayment

To qualify for this loan, you...

• Must be at least 18 years old
• Must have a valid California drivers license
• No credit, or less than 6 months of credit history
• No previous auto loan
• Minimum of 6 months employment or college graduate
• Loan amount not to exceed 50% of gross annual income.
• Minimum monthly income to qualify is $1,000

Does the car you are looking to purchase qualify?

• Loan amount not to exceed retail blue book value
• Max loan amount is $20,000
• 10 model years or newer
• Vehicle must have less than 100,000 miles
• Vehicle must be registered in California

To apply or for more info, call us at (626) 445-0950, option 1, to speak to one of our friendly loan representatives.

* Not all members will qualify for this loan. Members with derogatory credit (slow pays, collection account, charge-offs,etc) will not qualify.

First Time Auto Buyer Rates
Effective Date: Friday, January 15th, 2021
100% of Retail on Purchases. $20,000 max loan amount.
APR	Maximum Loan Amount	Term (months)	Estimated Payment/$1,000**
5.75%-6.00%	Up to $10,000	Up to 48	$30.16-$23.37
5.75%-6.10%	$10,001-$20,000	Up to 60	$30.16-$19.28
*Rate discounts may apply: 0.50% discount for auto payment from an FCU checking account with direct deposit, or 0.25% discount for auto transfer from a Foothill share account with direct deposit or payroll deduction. 0.25% discount for our school and hospital employees. 0.25% discount for members with a Platinum Mastercard or Platinum Rewards MasterCard.

Frequently Asked Questions