Used Autos

1. Find the Used Car You Want

Visit one of Tech CU partner dealers for a great deal on a used car, or search the online inventory to find a used car and a dealer in your neighborhood.
Use Tech CU's free auto buying service to find a car for you based on the specifications you supply.
Find the hybrid car or vehicle getting 30 mpg (as determined by www.fueleconomy.gov) online that you want and you’ll receive a .30% rate discount on a new or used car loan with Tech CU.

2. Get pre-approved or apply for a Tech CU used auto loan.

A Tech CU loan for a used vehicle provides:

Up to 100% of Kelley Blue Book Retail Value on cars 5 years old or less (plus tax, license, document fees, and mechanical breakdown insurance or extended warranty insurance).
100% of Kelley Blue Book Wholesale Value on older models, plus tax, license, document fees and MBI or extended warranty.
Automatic payment available from a Tech CU Checking or Savings account.

Term¹	Minimum Loan Amount²	APR³	Example Payment per $1000⁴
24 - 66 months	$5,000	6.350 - 14.850%	$22.28
72 months	$15,000	6.750- 15.250%	$21.30
84 months	$25,000	6.750- 15.250%	$18.11

Possible Rate Discounts:

Discount Method Rate Discount

Purchase your new or used car through Tech CU's Car Store .25%

Fuel $mart Loan rate discount

Fuel $mart Auto Loan applies to any hybrid vehicle or a vehicle that gets 30 MPG Highway as determined on www.fueleconomy.gov
.30%

Additional rate discount also available through Relationship Rewards

Rate discount also available through Relationship Rewards.

3. Other Loan Options:

Auto Equity Loans
Auto Equity Loans are secured by the vehicle and a deed of trust on the borrower's residential property located in California. The interest paid, therefore, is tax deductible in most cases. Consult your tax advisor. Auto Equity Loans are available under the same rates and terms as Used Auto Loans.

Vehicle Loan Terms :
(1) Term applies to 2006 or newer vehicle models and mileage must be 30,000 miles or less. $15,000 minimum loan amount for 72 month financing and $25,000 minimum loan amount for 84 month financing.
(2) Maximum loan amount based on approved credit. Financing available on used vehicles (including fleet returned vehicles), excluding salvaged vehicles. Used Vehicles 5 years old or less: 100% of Kelley Blue Book Retail Value. Used Vehicles over 5 years old: 100% of Kelley Blue Book Wholesale Value. Plus tax, license, dealer preparation, documentary fees, and Mechanical Breakdown Insurance or Extended Warranty Insurance.
(3) Interest Rate will vary based on approved credit.
(4) Payment per $1,000 is based on the highest interest rate with the maximum term.