Auto Loans

Affordable rates and high-touch service.

It’s work just shopping for a vehicle. Make the financing process a little easier on yourself with a USC Credit Union auto loan. You can count on us for affordable auto loan rates and exceptional service. Take a look at our current rates, and let’s get rolling.

  • Competitive and affordable rates1
  • Save an extra 0.25% with our clean-energy vehicle loan2
  • Up to 120% financing3 (includes tax, license, and mechanical breakdown insurance)
  • Check your rate with no impact on your credit score4
  • Optional protection:
    • Added protection when your insurance won’t cover your auto loan balance
    • Coverage on repairs beyond the manufacturer’s warranty
    • Peace of Mind Protection when the unexpected happens

 

Go green with USC Credit Union. Help us lead the way to a cleaner future by driving a vehicle that boosts fuel efficiency and cuts harmful emissions. You’ll save an extra 0.25%2 and help protect the planet. Vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway).

Guaranteed Auto Protection (GAP). If your vehicle is stolen or totaled in an accident, your insurance will pay only the fair market value, often substantially less than what you still owe on the loan. GAP insurance protects you against costly out-of-pocket expenses by paying what your insurance won’t. 

Major Mechanical Protection. Protect your vehicle well beyond the manufacturer’s warranty. Major Mechanical Protection covers repair costs when your ride breaks down and provides a variety of additional benefits at no cost such as 24-hour Roadside Assistance, Rental Vehicle Assistance, Tire Protection, and more. 

Peace of Mind Protection. You can’t control everything in life – but you can help protect your finances with Peace of Mind Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.

Auto Purchase Loans + Touring Motorcycles over 1200cc*

Rates accurate as of 3/3/2026
All rates and terms subject to change without notice.

Term and rates for auto loan purchase, and loans for touring motorcycles over 1200cc¹
Term100% Financing APR as low as
36 Months4.44%
48 Months4.69%
60 Months4.94%
72 Months5.19%
84 Months5.69%

*Auto Purchase Loans “as low as” rates are based on a combined 0.75% APR in available discounts for members who qualify, which may include:

  • 0.25% for automatic payments from a USC Credit Union checking account
  • 0.25% for maintaining an active PremiumSpend checking account
  • 0.25% Clean Energy Discount for eligible auto loans

The above discounts can be combined, so long as the interest rate does not go below the 4.09% floor rate. Relationship discounts are applied independently and may be discontinued if eligibility requirements are no longer met. Rates apply to 2024 or newer vehicles. To qualify for the automatic payment rate discount, loan payments must be made automatically from a USC Credit Union checking account.

The Annual Percentage Rate (APR) is effective as of 3.3.2026, is based on creditworthiness and underwriting criteria, and reflects our lowest available rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 4.44% is $29.72. This payment example is for illustration purposes only. Your actual payment may vary. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.

The 0.25% discount for automatic payments and the 0.25% discounts for clean energy vehicles can be combined, so long as the rate does not go below the 4.44% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.

Competitive rates are also available for non-Clean Energy vehicles.  Actual APR may vary based on creditworthiness, vehicle type, loan term, and other factors. Rates subject to change.

Calculate Your Loan Payment

Wondering how much you can afford? Run a scenario of what’s realistic for your budget and payment preferences.





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*Auto Purchase Loans “as low as” rates are based on a combined 0.75% APR in available discounts for members who qualify, which may include:

  • 0.25% for automatic payments from a USC Credit Union checking account
  • 0.25% for maintaining an active PremiumSpend checking account
  • 0.25% Clean Energy Discount for eligible auto loans

The above discounts can be combined, so long as the interest rate does not go below the 4.09% floor rate. Relationship discounts are applied independently and may be discontinued if eligibility requirements are no longer met. Rates apply to 2024 or newer vehicles. To qualify for the automatic payment rate discount, loan payments must be made automatically from a USC Credit Union checking account.

The Annual Percentage Rate (APR) is effective as of 3.3.2026, is based on creditworthiness and underwriting criteria, and reflects our lowest available rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 4.44% is $29.72. This payment example is for illustration purposes only. Your actual payment may vary. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.

The 0.25% discount for automatic payments and the 0.25% discounts for clean energy vehicles can be combined, so long as the rate does not go below the 4.44% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.

Competitive rates are also available for non-Clean Energy vehicles.  Actual APR may vary based on creditworthiness, vehicle type, loan term, and other factors. Rates subject to change.

Let’s put you in the driver’s seat.

Take control of the car shopping process with financing, buying services, and insurance from USC Credit Union.

Fast and easy way to fill out membership application as well as auto loan application. Lowest interest rate I found!

-Spencer

  • Affordable Clean Energy Loans

    Our Clean Energy Loans offer competitive rates and flexible terms to make your eco-friendly projects affordable. Start your journey towards a greener future today and enjoy the benefits of lower energy bills and a healthier environment.

  • Trojan Insurance

    Life happens, and accidents do too. Cover yourself with insurance for vehicles, homes, businesses, and more through USC Credit Union’s Trojan Insurance Services.

  • Savings Accounts

    The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

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      1Auto Purchase Loans “as low as” rates are based on a combined 0.75% APR in available discounts for members who qualify, which may include:

      • 0.25% for automatic payments from a USC Credit Union checking account
      • 0.25% for maintaining an active PremiumSpend checking account
      • 0.25% Clean Energy Discount for eligible auto loans

      The above discounts can be combined, so long as the interest rate does not go below the 4.09% floor rate. Relationship discounts are applied independently and may be discontinued if eligibility requirements are no longer met. Rates apply to 2024 or newer vehicles. To qualify for the automatic payment rate discount, loan payments must be made automatically from a USC Credit Union checking account.

      The Annual Percentage Rate (APR) is effective as of 3.3.2026, is based on creditworthiness and underwriting criteria, and reflects our lowest available rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 4.44% is $29.72. This payment example is for illustration purposes only. Your actual payment may vary. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.

      2The 0.25% discount for automatic payments and the 0.25% discounts for clean energy vehicles can be combined, so long as the rate does not go below the 4.44% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.

      3Up to 120% financing available based on credit worthiness, model year, and underwriting factors. New: Manufacturer’s Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), both including tax, license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver’s license and current insurance information are required at time of financing.

      4You are providing “written instructions” to WithClutch, Inc. and USC Credit Union under the Fair Credit Reporting Act authorizing WithClutch, Inc. and USC Credit Union to obtain information from your personal credit report and from the Credit Bureau solely to conduct a pre-qualification for credit. This will not impact your credit score.