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Phone: (707) 527-6216     Fax: (707) 527-6835
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Used Auto Loans


Thinking about buying a used vehicle?  Or do you need to refinance your loan from another financial institution?   Applying online is easy.  Just click on the Apply button.

Sometimes buying or refinancing a used vehicle is one of the smartest things you can do!

Our approachable and professional service style takes the intimidation out of the process.  We are on your side and will be with you throughout the entire process.

Here is what we have to offer:

  • Competitive low fixed rates
  • Terms up to 72 months
  • Up to 115% of high blue book financing
  • Vehicles can be 7 years old or newer (older vehicles have a slightly higher rate)
  • Rate discounts apply for high gas mileage and hybrid autos
  • Protect your auto with Guaranteed Auto Protection (GAP) and Mechanical Breakdown Insurance (MBI) at very low prices
  • We will complete the DMV transfer paperwork for you when you buy from a private party or refinance from another financial institution
  • Slight interest rate increase for vehicles that have 100,000 miles or more

Apply for your used auto loan now.

A Pre-approval means flexibility and savings to you

With a pre-approved auto loan, you know how much you’ll qualify for before you visit the dealership, start shopping online or investigating through a private party.  Plus, you’ll eliminate the expense and pressure of dealer financing.  Apply and get your pre-approved letter today!

Receive Sonoma Federal auto financing right at the dealership!

Sonoma Federal participates in the Credit Union Direct Lending (CUDL) program.  This program allows you access to hundreds of dealerships where you can obtain Credit Union auto financing approved through the CUDL automated system.  Just visit any participating CUDL dealer, identify yourself as a Sonoma Federal Credit Union member and request your Credit Union financing through the CUDL system; it is available 7 a.m. to midnight, 7 days a week, 365 days a year.
Auto Buying & Research Tools
  Autoland’s Avocar
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  Annual Credit Report
  Loan Payment Calculators
  Apply For A Loan
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Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.