Auto Loans & Car Loans

Rates that put you in the driver’s seat

< View all Auto Loans options

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!

 

as low as
2.99%
APR

Rates:

New Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 24 Months
    2.99%
    2.99%
  • 36 Months
    2.99%
    2.99%
  • 48 Months
    2.99%
    2.99%
  • 60 Months
    2.99%
    2.99%
  • 72 Months
    3.74%
    3.74%
  • 84 Months
    4.49%
    4.49%
*All rates include the 0.25% discount for automatic loan payment.

Used Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    2.99%
    2.99%
  • 48 Months
    2.99%
    2.99%
  • 60 Months
    2.99%
    2.99%
  • 72 Months
    3.74%
    3.74%
*All rates include the 0.25% discount for automatic loan payment.

Apply Now

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 $15,000)
        • Great, low rates

Additional Resources:
auto buying service
auto loans calculator

**Annual Percentage Rate (APR) is effective as of 10/4/2019 to 12/31/2019, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 60-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 2.99% APR is $29.19. This payment example is for illustration purposes only. Your actual payment may vary. The 2.99% APR includes a 0.25% discount for automatic loan payment. To qualify for this rate discount, an automatic payment must be maintained throughout the life of the loan. 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. This promotion does not apply to existing USC Credit Union Auto Loans.

Up to 125% 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.