Auto Loans & Car Loans

Rates that put you in the driver’s seat

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Searching for a low-rate auto loan? Then you’ve come to the right place! We want you to get a deal you’ll be proud of. USC Credit Union offers competitive auto loan rates, flexible terms, and the convenience and personalized service of a credit union with each of our auto loans. Apply for a car loan today!

Go green and save green with USC Credit Union. Help us lead the way to a cleaner tomorrow by driving a vehicle that increases fuel efficiency, reduces harmful emissions, and cuts your fuel costs, with rates as low as 1.74% APR1.

as low as


Auto Loans

  • Term
    Financing APR
  • 36 Months
    as low as 1.99%
  • 48 Months
    as low as 2.49%
  • 60 Months
    as low as 2.74%
  • 72 Months
    as low as 2.99%
  • 84 Months
    as low as 3.74%
*All rates include the 0.25% discount for automatic loan payment.

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Because our members are owners, we’re able to pass along our profits to you through the best rates. And we never charge an application fee.

    • Up to 125% financing* (includes tax, license and mechanical breakdown insurance)
    • No payments for 90 days*
    • Flexible Terms:
        • 24 months; short-term loans mean you’ll own your car sooner
        • Up to 84 months available for low monthly payments (for purchase prices of at least $25,000)
        • Great, low rates

Additional Resources:
auto buying service
auto loans calculator

**Annual Percentage Rate (APR) is effective as of June 4, 2021, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 2020 vehicle, 36-month term and 100% financing of retail Kelley Blue Book Value for pre-owned cars and 100% loan-to-value for new car purchase. Other Loan-to-Value requirements may apply. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 1.99% is $28.64. This payment example is for illustration purposes only. Your actual payment may vary. The 1.74% APR includes a 0.25% discount for automatic loan payments and a 0.25% discount for a clean energy vehicle. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements. 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 to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. This promotion does not apply to existing USC Credit Union Auto Loans.

Up 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.

90-day deferred payment option for qualified borrowers. Interest accrues immediately.