Increase your buying power or lower your car payments with a low-rate Schools Auto Loan

Get your auto loan from Schools Financial, a division of SchoolsFirst Federal Credit Union.

Whether you’re buying a new or used car, truck or SUV — or refinancing your current auto loan — call us, stop by a branch or apply online 24/7.

Schools Financial offers you a variety of financing options whether you’re buying from a dealer or a private seller. Please visit our Auto Buying Center for the resources you’ll need to be an informed buyer and get the best deal possible on your next vehicle.

Members can get approval for a Schools Auto Loan at any participating dealer signed up with Credit Union Direct Lending® (CUDL).


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For more peace of mind, protect yourself and your loan today

Guaranteed Asset Protection (GAP)

Did you know that in the event your car is stolen or totaled, you may owe more on your vehicle than it’s worth?

GAP is designed to cover the difference between your insurance settlement and loan payoff in the event of theft or total loss.

Schools Safety Net

Schools Safety Net1 is a voluntary debt protection product that, depending on the package you select, cancels your eligible loan balance, up to the agreement maximum, if a protected event were to occur. Loss of life, hospitalization, involuntary unemployment and disability are all potentially protected events.2 

Available Protection Plans:

Platinum Plus

  • Life Plus
  • Disability
  • Involuntary Unemployment

Gold Plus

  • Disability
  • Involuntary Unemployment

Silver Plus

  • Life Plus
  • Disability

Bronze Plus

  • Life Plus

Please call us at 916-569-5400 or 800-962-0990, or visit a branch to learn more about the benefits of these products.

1 This is a summary of our Payment Protection program. Enrollment in the program is voluntary and not required to obtain a loan. Schools Safety Net is a debt protection product available through Schools Financial Credit Union. Please contact a Schools Financial loan representative, or refer to the Schools Safety Net Contract for additional information on benefit maximums, eligibility and limitations.
2 Please see the Schools Safety Net Contract for protected balance percentages, maximum protection allowed and age limitation. 

Life can be unpredictable — Defer-A-Pay makes it easier to manage your monthly finances

Defer-A-Pay is a convenient way for eligible members to defer up to two monthly loan payments in a 12-month period, with a maximum 10 deferrals for the life of the loan. There is no cost to defer a payment.1

Eligible Loans

Most consumer loans are eligible, including vehicle, boat, computer, share secured, personal, teacher certification and teacher relocation loans. Terms and restrictions apply.

How to Defer a Payment

Sign in to SchoolsOnline and click on your loan from the Accounts Overview page. If your loan qualifies for Defer-A-Pay, you will see a Defer-A-Pay button beneath your loan details.

Deferring Mortgage or Equity Payments: Click here to find out how to defer your Schools Financial mortgage or equity payments.

1 Each time you defer a payment, your loan is extended by one month. Deferring a payment results in finance charges continuing to accrue and paying higher finance charges over the life of your loan.