Vehicle Loans

Rates that put you in the driver’s seat

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No matter what you’re shopping for, we want you to get a deal you’ll be proud of. To make that happen, we’ve priced our used car loan rates as low as our new car rates.

Our Auto Loans Offer:

  • Zero down
  • Up to 120% financing** (includes tax, license and mechanical breakdown insurance)
  • No payments for 90 days***
  • Flexible Terms
    • 36 months; short-term loans mean you’ll own your car sooner
    • Up to 72 months available for low monthly payments (for purchase prices of at least $15,000)
    • Great, low rates


Motorcycle, Boat, RV Loans

We finance fun both off and on the road with loans for new or used motorcycles, motor homes, campers, trailers and boats. With a loan from USC Credit Union, you can:
  • Finance up to 90% of a new vehicle’s purchase price or up to 90% of a used vehicle’s average retail value
  • Set payment terms that fit your budget, anywhere from three to six years
The maximum term on a new or used motorcycle is 36 months if the value is less than $5,000 (48 months if the value exceeds $5,000).

as low as
1.74%
APR

Rates:

New Auto Loans*

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.74%
    1.74%
  • 48 Months
    1.74%
    1.74%
  • 60 Months
    1.74%
    1.74%
  • 72 Months
    1.99%
    1.99%

Used Auto Loans*

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.74%
    1.74%
  • 48 Months
    1.74%
    1.74%
  • 60 Months
    1.74%
    1.74%
  • 72 Months
    1.99%
    1.99%

Motorcycle, Boat and RV Loans*

  • Term
    80%
    Financing APR
    90%
    Financing APR
  • 36 Months
    4.50%
    4.75%
  • 48 Months
    4.75%
    5.00%
  • 60 Months
    5.00%
    5.25%
  • 72 Months
    5.25%
    5.50%

Important Notes — Auto, Motorcycle, Boat and RV Loans

1) Rates displayed are Annual Percentage Rate. Rates and payments starts as low as the above published rates, and are based upon applicant credit evaluation, as determined by applicant’s credit, payment history and collateral. Rates and financing terms based on new vehicle purchase price or retail value of used vehicle.

2) Rates for auto loans, motorcycles, boats and RV’s include a .25% discount for direct deposit or automatic payment to loan from any USCCU or non USCCU account.

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**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. Offer expires October 31, 2015. Loan must fund by October 31, 2015 to receive this special offer. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.