Auto Loan Refinancing

Low rates that will really get you moving

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Refinancing has never been so easy and rewarding with up to $500 cashback**!

 

Use promo code “AUTOCB21” before 4/30/21 and get up to $500 cashback** when you refinance your auto loan.

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.

as low as
1.99%
APR

Rates:

New Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 24 Months
    1.99%
    1.99%
  • 36 Months
    1.99%
    1.99%
  • 48 Months
    2.74%
    2.74%
  • 60 Months
    2.99%
    2.99%
  • 72 Months
    3.24%
    3.24%
  • 84 Months
    3.74%
    3.74%
*All rates include the 0.25% discount for automatic loan payment.

Used Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.99%
    1.99%
  • 48 Months
    2.99%
    2.99%
  • 60 Months
    3.24%
    3.24%
  • 72 Months
    3.49%
    3.49%
  • 84 Months
    3.99%
    3.99%
*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 January 15, 2021, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 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 1.99% 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.

**Auto Refinancing 1% Cash Back Offer: Loan must fund and offer is valid until 4/30/2021. Offer subject to change without notice. Must use promo code “AUTOCB21” to qualify. Cash back incentive is 1% of the refinanced loan balance from another lender to USC Credit Union to a maximum of $500. Minimum loan balance is $4,000 to qualify for the cash back promotion. Cash back will be deposited to the USCCU savings account within 30 days of funding. We reserve the right to retain incentive dollars if the loan is closed, paid off or refinanced within the first two years. Accounts must be in good standing to receive rebate. Some restrictions may apply. This promotion does not apply to existing USC Credit Union Auto Loans. Taxes due on cash back are sole responsibility of the account holder. USC Credit Union and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.