Auto Loan Refinancing

Low rates that will really get you moving

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Simply refinance your auto loan from another lender with a  USC Credit Union loan and reduce your interest or monthly payment, or both! Let us help you pay off your existing loan and put more money in your pocket with our competitive auto loan refinancing rates. Because our members are owners, we’re able to pass along our profits to you through better rates. And we never charge an application fee. USC Credit Union puts your financial success where it belongs—in your hands.

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
  • 48 Months
  • 60 Months
  • 72 Months
  • 84 Months
*All rates include the 0.25% discount for automatic loan payment.

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Guaranteed Auto Protection (GAP)

If your vehicle is stolen or totaled in an accident, your insurance will pay only the fair market value, which could be 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.

Direct Deposit Discounts

In addition to our already low rates, we’ll lower your auto loan rate by an additional .25% if you enroll in direct deposit to a USC Credit Union account or set up automatic payments for your loan.

*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 payment 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.