Rate Displayed is Reduced with Auto Pay 

Earn a 0.25% rate reduction when you schedule automatic recurring transfers for auto loan payments from a HomeFREE Checking™ account.¹

No Payments
for 90 Days

Take a break from car payments with the option of deferring your loan payments for the first 90 days after funding.⁺

No Application
or Processing Fees

One of the most affordable lenders in central and coastal California, with no application or processing fee to refinance an auto loan.

At SESLOC, we know that every dollar saved brings you closer to your goals. That’s why we’re offering our auto loan refinance special with rates as low as 4.49% APR^◊* when you bring your current auto loan from another lender to SESLOC. Whether you’re paying too much interest or just want the peace of mind that comes with a trusted local credit union, we’re here to help. Make the move and you could save today!

* APR = Annual Percentage Rate. “As low as” APR assumes a 0.25% rate reduction for scheduled automatic recurring loan payments from a HomeFree Checking account (see HomeFREE Discount Program below¹) and a maximum loan term of sixty (60) months or less and vehicle qualifications of less than 12,000 miles and/or a model year, six (6) years or newer. Promotion ends June 27, 2026 at 11:59 p.m. PDT.

◊ Vehicle information will be reviewed following submission of the offer request. Your APR and maximum loan to value (LTV) financing (loan amount) are based on your creditworthiness and specific vehicle qualifications. Listed as low as APR is based on the following offer conditions; not all members may qualify and final APR may be higher: your credit history, assumes participation in the HomeFREE Discount Program, a loan term of sixty (60) months or less and vehicle qualifications of less than 12,000 miles and/or a model year, six (6) years or newer. APR will be higher without HomeFREE Discount Program participation, loan terms exceeding sixty (60) months and for a vehicle with a model year over six (6) years and/or mileage greater than 12,000 miles.  For Refinance, this offer is only available for vehicle loan refinances from another lender. Offer not valid for refinance of Business vehicle loans. Payment Example: A $25,000 loan at 4.49% for 60 months would have an estimated payment of $466.00. Actual monthly payment amounts vary based on final loan terms and rate. Refer to our online Payment Calculator to estimate additional payment examples. All loans are subject to credit approval.

+ Payments may be deferred 90 days from the date the loan is funded; finance charges accrue from the funding date and during the deferral period; deferring payments will increase the finance charges you pay. Terms, conditions, eligibility and restrictions apply.

1. The HomeFREE Discount Program (Program) is available within the first sixty (60) days after the original loan date to those with a consumer vehicle loan. To be eligible for the Program, you must maintain a consumer HomeFREE Checking account and schedule automatic recurring transfers for vehicle loan payments from your HomeFREE Checking. If you cancel your automatic recurring vehicle payments, your Annual Percentage Rate (APR) will increase by 0.25%. The increase in the rate will result in more payments of the same amount. You will not be provided a separate notice if the discount is discontinued. If you fail to maintain eligibility in the Program and the discount is discontinued, your loan cannot again qualify for the Program.

2. Lowest refinance rate may not be available for loan terms that exceed sixty (60) months. Payment Example: For a vehicle refinance loan in the amount of $30,000.00 for an 82-month term at an annual percentage rate (APR) of 6.59%, the estimated monthly payment would be $ 446.79. Actual monthly payment amounts vary based on final loan terms and rate. Refer to the Payment Calculator to estimate additional payment examples.

3. Membership in good standing required for all credit union benefits.

A Note for New Accounts — The USA Patriot Act requires financial institutions to verify your identity when opening an account. You and any joint owner(s) will be asked to provide a current California Driver’s License (and proof of address if you’ve moved) plus social security number(s). Accounts that can be opened by mail may have additional requirements. If you do not have a California Driver’s License, you may use a current government-issued photo ID.

Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration (NCUA), a U.S. government agency. For our privacy policy, please visit sesloc.org/privacy-policy.