New & Used Auto Loans

It is time to give yourself and your family the peace of mind with a reliable new vehicle. Edwards FCU is here to give the lowest possible rate to make sure you are able to finance the vehicle you deserve. We are committed to making your loan process as smooth as possible, whether you are purchasing from a dealer, private seller or refinancing a current loan.

See some of the many benefits of an auto loan from Edwards FCU:

  • Low monthly payments
  • Competitive Interest rates
  • Flexible terms up to 84 months†
  • Edwards FCU makes it easy to repay your loan with automatic payments and payroll deduction.
  • No pre-payment penalty
  • Convenient payment options online, by mail, through payroll deduction, or with automatic direct deposit

† 84 months purchase price = $30,000 or greater.

***Terms, rates, conditions, and policies are subject to change without prior notice.

Vehicle rates and Terms

Apply Now

Complete your application online, fax it, mail it, or bring it into one of our branches.


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.


*APR = Annual Percentage Rate. 1.99% APR is the preferred rate for new vehicles up to 48 months at a monthly payment of approximately $17.52 per $1,000 borrowed. Call 661-952-5945 for details. Rate of 2.24% APR is also the preferred rate for used vehicles up to 60 months at a monthly payment of approximately $17.63 per $1,000 borrowed. Amount financed may not exceed the MSRP for 130% of the high Kelly Blue Book or NADA value for new (125% for used), including tax, license, GAP Insurance and Mechanical Breakdown Protection. Rates, terms, and conditions are subject to change without notice. No additional discounts may be applied to these rates. All loans subject to credit approval, not all applicants will qualify. Existing Edwards Federal Credit Union auto loans may not be refinanced under the terms of this offer. $50 Napa Auto Parts Gift Cards awarded to each loan funded with an opening balance of $10,000 or greater. Must be used for merchandise only may not be redeemed for cash. Napa Auto is a registered trade mark. Loan offer expires 11/30/16, awarded gift cards have no expiration.