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% APR2.

as low as
1.99%
APR

Rates:

Auto Loans1

  • Term
    100%
    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%
1Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2019 or newer vehicle models. Such rates are subject to change based on vehicle year.

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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.

1Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2019 or newer vehicle models. Such rates are subject to change based on vehicle year. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Annual Percentage Rate (APR) is effective as of 06/04/2021, is based on creditworthiness and underwriting factors, and is our best rate. 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. 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 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.