Current Special
.35% Discount on Electric Vehicles
National JACL Credit Union believes that as more and more of us convert to EVs, we’ll soon be enjoying the benefits of a cleaner environment. As an incentive we’re offering a .35% discount to our already low Auto Loan rates for a 2020 or newer Electric Vehicle.
.25% Discount on Hybrid Vehicles
We are also giving a .25% discount to our regular Auto Loan rate for a 2020 or newer Hybrid Vehicle
The Electric Vehicle Era
Even though the electric vehicle is still in its infancy, most automakers are announcing new electric vehicles at a blistering pace. California and other states are already planning on phasing out gasoline-powered new car sales within the next 10-15 years. Like it or not, the electric vehicle era is here!
All of us like the idea of improving our air and doing our part to stop climate change. Determining if now is the time to buy your first electric vehicle will take some research and may not be an easy choice. Here’s the arguments to consider, for and against.
EV Loans – As low as 5.29% APR
Quick Approval
Great Rates. Flexible Terms. Local Approval.
Whether you’re financing a new car or want to refinance an existing auto loan give us a call. We can generally save you money and we have great rates no matter your credit score.
Our Auto Loan Interest Rates can’t be Beat!
- Right now you won’t find a better interest rate
- Flexible terms. Finance up to 84 months.
- Check out our rates below and ask about discounts for account relationships, large down payment and for having our Premier VISA Card.
Loan Rates
| Loan Type | *APR - As low as: | Year of Vehicle | Rate Type |
|---|---|---|---|
| New Auto - 36 month term | 5.14% | 2022-2024 | Fixed |
| New Auto - 60 month term | 5.64% | 2022-2024 | Fixed |
| Used Auto - 36 month term | 5.14% | 2015-2021 | Fixed |
| Used Vehicle - 60 month term | 5.64% | 2015-2021 | Fixed |
| EV Plug-in Auto discount | 0.35% Discount | 2021 or newer | Some restrictions apply |
| Hybrid Auto Discount | 0.25% Discount | 2021 or newer | Some restrictions apply |
| Unsecured/Signature Loan | 10.75% | ||
| VISA Premier | 9.90% | No Fee | Fixed |
| VISA Platinum | 12.90% | No Fee | Fixed |
| Savings Secured | 2.50% | Fixed | |
| Certificate Secured | CD rate + 2% | Fixed | |
| Overdraft Protection | 18.00% | No Fee | Fixed |
| First Mortgage | Call credit union for rates. | Fixed |
|
| Second Mortgage | Call credit union for rates. | Fixed | |
| HELOC | Call credit union for rates. | Variable | |
| Effective- | 1/1/2024 |
Get a Quote on the Car Right for You!
More information about the Smart Value Loan
https://secure.autofinancialgroup.com/AFG/index.jsp?CUID=324078996&m
Smart Value Loan Program
A low payment alternative
Key benefits
- Lower month payments – 30-40% lower on average than with conventional financing.
- No down payment required and no prepayment penalties.
- Flexible loan terms from 2 to 6 years.
Advantages over leasing
- You own the vehicle titled in your name – not the leasing company’s!
- You can carry the level of personal vehicle insurance you choose versus the level of coverage stipulated by the leasing company in the lease contract.
- You can negotiate the vehicle purchase price like a cash purchase with the dealer.
- Lower excess mileage charge than most leasing programs of only $.10 per mile.
- Lower disposition fee than most leasing programs of only $195*.
Flexible end of loan term options
- Refinance remaining balance at loan maturity or anytime during the loan term.
- Keep, sell or trade the vehicle at loan maturity or anytime during the loan term.
- Return the vehicle at loan maturity in lieu of making the final Smart Value loan payment with no end of loan term hassles. Vehicle pick-up is arranged, even if you have moved to a different state.
*fees apply on if you decide to return the vehicle in lieu of making the final balloon payment.