No payments for 90 days on auto loans and $65 payment beater guarantee1.
No interest for a year on Visa Card purchases, balance transfers and cash advances2 made by January 17, 2018.
1Limited time offer, 10.18.17 to 1.17.18, subject to change. Not valid on existing SCE FCU auto loans. Extended terms and other rates available. Actual rate subject to credit qualifications and vehicle value requirements. Lowest rates include a .25% APR discount for automatic electronic repayment. If you apply for a new auto loan during the promotional period – new or used, purchased or refinance – and we are unable to beat your current verified existing loan payment – or your firm payment offer – using like terms and excluding 0% financing offers and manufacturer special rates, down to a floor of 2% APR, $65 will be deposited into your SCE FCU account within two weeks of final loan decision. Borrower(s) and vehicle must qualify to be eligible for the $65 payment beater guarantee. Utilizing the 90-day no payment option will slightly increase your payment and APR. 2Promotional period: 10.18.17 to 1.17.18. The promotional rate of 0% APR is valid on new SCE FCU Platinum Rewards Visa credit cards (Platinum Rewards only, not Platinum) for all activity (purchases, balance transfers, and cash advances) completed during the promotional period, and on existing SCE FCU Visa credit cards (Platinum or Platinum Rewards) for balance transfers and cash advances (not purchases) completed during the promotional period, and the 0% APR will remain in effect on that promotional period activity through the January 2019 billing cycle, at which point the balances on that promotional period activity will convert to the standard card rate – which is a variable APR from 12% to 18% for Platinum Rewards, based on individual qualifications, and 11% to 18% for Platinum. Please keep in mind that any activity initiated after 1.17.18 will be at the standard card rate and that purchases on existing SCE FCU Visa credit cards do not qualify for this promotional offer. Cards are considered to be existing cards if approved/issued prior to 10.18.17. Cash advances and balance transfers do not earn Rewards points and may not be used to pay down SCE FCU loans. The fee for balance transfers or cash advances is $10 or 3% of the amount of each transfer or cash advance, whichever is greater. Other fees: foreign transactions – 1%; late payment, returned payment, and/or returned check – up to $25.