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)
  • 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
1.49%
APR

Rates:

New Auto Loans*

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.49%
    1.49%
  • 48 Months
    1.95%
    1.95%
  • 60 Months
    1.99%
    1.99%
  • 72 Months
    2.15%
    2.15%

Used Auto Loans*

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.89%
    1.89%
  • 48 Months
    1.95%
    1.95%
  • 60 Months
    1.99%
    1.99%
  • 72 Months
    2.15%
    2.15%

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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*APR (Annual Percentage Rate) is effective as of 2/1/15, is based on creditworthiness and underwriting factors, is our best rate and includes a 0.25% rate discount for automatic payments. Based on a 36-month term and 80% financing of retail Kelley Blue Book Value for pre-owned cars and 80% loan-to-value for new car purchase. To qualify for this rate discount, an automatic loan payment to this loan is required and must be maintained throughout the life of the loan. Other Loan-to-Value requirements may apply. Proof of income is required at the time of loan funding. Monthly payment per $1,000 for 48 months at 1.74% APR is $21.58. This payment example is for illustration purposes only. Your actual payment may vary. The 1.49% APR promotional rate cannot be combined with any other offers. Minimum loan amounts include $8,000 for a 60-month term loan and $15,000 for a 72-month term and $25,000 for 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. This promotional rate is available for a limited time and rates and terms are subject to change without notice. This promotion does not apply to existing USC Credit Union Auto Loans.
**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.