Sea Air Federal Credit Union Overview

Located in Southern California, Sea Air Federal Credit Union is a financial cooperative that was launched in 1952 to serve military and civilian personnel at the Seal Beach Naval Weapons Station. Today, the credit union continues to serve the Seal Beach area and has additional members who are affiliated with the Los Alamitos Armed Forces Reserve Center and the Corona Naval Facility. Sea Air Federal Credit Union offers a variety of products including savings and checking accounts in addition to auto, personal and student loans. The business has nearly 8,000 members and has received an A rating from the BBB.

Membership eligibility is open to anyone who meets one of the following requirements: (1) You are an immediate family member of a current Sea Air Federal Credit Union member. (2) You are an active or retired member of the military or a dependent or a dependent survivor. (3) You meet alternative criteria, such as being an employee of the City of Seal Beach or being a civil service contractor.

How Do Sea Air Federal Credit Union’s Auto Loans Work?

Sea Air Federal Credit Union offers auto loans both for new and used vehicles. Loans are issued for terms up to 84 months. To begin the loan application process, you can call the union’s 24/7 Lending Center or you can visit one of the credit union’s three branches, which are located in Seal Beach, Los Alamitos and Norco.

What Are Sea Air Federal Credit Union’s Auto Loans Interest Rates?

With Sea Air Federal Credit Union auto loans, interest rates can vary.

- For new vehicle loans, rates start at 2% APR.

- For used vehicle loans, rates start at 2.5% APR.

How Much Money Can I Borrow from Sea Air Federal Credit Union Auto Loans?

Sea Air Federal Credit Union offers up to 100% financing. For new vehicles, the loan amount can equal the lesser of (1) the wholesale Blue Book value plus tax and license or (2) the selling price. For used vehicles, the loan amount can equal the selling price even if the amount is greater than the wholesale Blue Book value.

What Is Sea Air Federal Credit Union’s Application Process Like?

To begin the application process for a loan, you can visit one of the credit union’s three branches. Or, you can call the union’s 24/7 Lending Center. If you are not already a Sea Air Federal Credit Union member, you can apply for union membership in person or online.

How Are Sea Air Federal Credit Union Auto Loans Better than Other Auto Loans?

- Sea Air Federal Credit Union is a cooperative that can provide its members with low interest rates.

- The credit union has three branches located throughout Southern California.

- There’s a 24/7 Lending Center, which you can call to apply for a loan.

  • APR
    2% - %
  • Credit Bureau Reporting
  • Loan Amount
    $500 - $500000
  • Min APR
  • Payment Options
    Automatic Payments Check by mail
  • Max Loan Term (Months)
  • Checking Account Required?
  • Immigration Status Requirements
    Must be U.S. Citizen or U.S. Permanent Resident
  • Lend To Military?
  • Minimum Age
  • Verification Documents Required?
    Recent bank statements Driver license (or other photo ID) Proof of citizenship/residence
  • Customizable Payment Dates
  • Deferred Payments
  • Funding Time
    1-7 days
  • Joint Loans Available
  • No Late Fees
  • No Origination Fee
  • No Prepayment Fee
  • Pre-Approved Soft Credit Inquiry
  • Minutes
  • Same Day
  • 1-7 days
  • 2-4 weeks
  • Lease Purchase
  • New Loan
  • Refinance
  • Used Car Loan
  • Institution Type
    Credit Union
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0 votes

i was denied a loan from the dealership and several banks. I applied for a loan at Sea Air expecting that i would be going to yet another source. and they were many . they acctually sat with me to see if there was anything on my credit report that shouldn't be . Didn't rush me out the door after seeing my credit score . They actually took the time to see what is going on with it. Needless to say i am driving a new car.

0 votes

6 months ago i found myself needing a new vehicle. I was not thrilled because i knew that my credit score was horrible! so i was not suprised when the one dealer that would sell me a car told me the terms. 19% interest on payments of $435. And i had to carry full coverage insurance. i recently contacted safcu about a possible refinance, not really getting my hopes up. I still can't believe what they were able to do for me. Got me an interest rate of 7.3 and ... lowered my payments almost $100. And if i make on time payments for 6 months it will be lower. More Less

0 votes

Having been a member of Sea Air Federal Credit Union for many years, it was almost a natural transition to get my auto loan through them. They have been amazing the entire time I have worked with them. Getting an auto loan was no different. They treated me with the same respect each time I spoke with them. It is also nice to have the same loan officer each time. If you are looking for a new credit union, are sick of banks, or just need a loan, Sea Air ... Federal Credit Union is the way to go. More Less

0 votes

I was able to refinance my loan through saFCU at a fraction of the rate I was paying before and now I am saving a ton of money each month. I could not be happier with their service.

0 votes

They say that even if you have bad credit you can get a loan through this company, but I was denied and the whole thing was a waste of my time.

0 votes

After being denied at another financial institution, Sea Air Federal Credit Union approved me for an auto loan. I needed a new car (old one broke down) and didn't have the best credit around. Another place just up and declined me without reason. Sea Air saw my low credit score and looked past it. They told me they look at why its low, as compared to other places that just look at the number. I am so happy with them and would definitely recommend Sea Air.

0 votes

I was approved for a loan despite my credit score of 575. Other banks would approve me but at horrible rates. I was able to get a great rate and great service through this lender.

0 votes

I decided to apply for a loan here even though my credit wasn't great. I was approved for $15,000 and I am a very happy customer now.

0 votes

I have been denied by many other places in the past but sea air approved me and I now have the car I wanted. I don't know what I would have done without them!!!

0 votes

The dealer I was getting my new car through recommended SAFCU and said they offered the best rates in town. They were right! I got a nice loan with a reasonable interest rate for my car. The people there area also fantastic to work with! Every time I called or went in, they were always super smiley and helpful. I have had such a great experience with SAFCU and I'd highly recommend them.

0 votes

I ended up getting a loan through my bank to get my very first car, which was a huge mistake. They lured me in with the promise of me being able to actually get a car, but gave me too high of an interest rate. I didn't realize this until the monthly payments began coming out. It was just ridiculous. I was looking for somewhere to refinance when a friend recommended Sea Air Federal Credit Union. They were the best thing that happened to me! I am now paying about ... 100 dollars less for my auto loan. So great. More Less

0 votes

After dealing with actual banks for many years, I needed a change. I switched over to Sea Air Federal Credit Union last year on the recommendation of a couple colleagues. They have been great so far. A few months back my account was compromised, and they handled it before I could even blink. Since they are a smaller institution, everyone knows every ones name. It's a nice little personal touch.

0 votes

I applied online to refinance my car loan, and they responded SO quickly. I got a call from one of the employees who helped me along the way. After approval, the process just got easier. Sea Air Federal Credit Union really strives to make everything simple on their customers. I have had a few banks in the past but none of them compare to the great customer service here.

0 votes

Best auto loan servicer! I got approved through them in no time, and their conditions were more than reasonable. My wife and I were hesitant to get a second car, but with those terms, it really was a no brainer. They could have easier charged a higher interest rate, but they really were the best option. My wife and I are more pleased with this place than we have been with any other financial institution.

0 votes

Due to an "okay" credit score, I was apprehensive to refinance my car. But honestly, the high payments were the reason for the low credit score in the missed place because it made me unable to pay other things on time. But these guys made it so easy for me. I am happy to say that since getting a refinanced loan through them my credit score has greatly increased. They lowered my payments and now I can actually pay on time!

0 votes

Sea Air Federal Credit Union has been able to save me so much money, and I am so grateful to have them! After applying to refinance my car loan, they were able to save me thousands of dollars over a year period in interest alone. When all that's said and done, that's extra money in my pocket! They were extremely professional, courteous, and helpful when dealing with me. I would recommend them!

0 votes

Sea Air Federal Credit Union helped me more than they probably know! I was having so much trouble paying off my current auto loan, and the interest was just too high. I found them and decided to get my loan refinanced. Trust me, they saved me financially. My monthly payment was less than before. It was a big sigh of relief. Every time I go to make a payment, I feel more confident that I won't be struggling until my next paycheck.

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