Car loans

Drive Your Dreams

The excitement of getting behind the wheel of your new car for the first time can’t be beat – let us help you get into the driver’s seat. Polam’s auto loans make it easy to finance your ideal car, with flexible terms, low rates, and an easy application process. Whether you’re buying your first car, or are looking for something bigger for a growing family, we’re here to help you on your road ahead.

  • Rates as low as 6.25% APR1
  • Terms up to 84 months
  • Financing for new and used vehicles
  • Simple application and quick approval
  • Pre-approval available

  1. APR = Annual Percentage Rate. Auto rates as low as 6.25% APR (floor rate) effective 12/12/2023 require Automatic Transfer Payments, otherwise rate is .50% (50 basis points) higher; subject to change without notice. Polam offers a range of base rates and discounts that depend on factors such as credit history, loan term, purchase channel, Polam account and loan balances, program designation, vehicle age, and payment type. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 12.00% APR. To learn more about rates, terms and available discounts, call (650) 367-8940, visit, or visit any Polam branch. Loan payment example: $14.74 per month for each $1,000 borrowed at 6.25% APR for 84 months.