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:
Motorcycle, Boat, RV LoansWe 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:
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.
*Annual Percentage Rate (APR) is effective as of 2/16/16, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 36 and 48 month term and 80% financing of retail Kelley Blue Book Value for pre-owned cars and 80% loan-to-value for new car purchase. Other Loan-to-Value requirements may apply. Proof of income is required at the time of loan funding. Monthly payment per $1,000 for 36 months at 1.99% APR is $28.64. This payment example is for illustration purposes only. Your actual payment may vary. The 1.99% APR includes the 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 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. 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.
**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.
++The energy efficient auto loan discount, in addition to discounts for automatic payments, will not reduce rates below the established floor rate. Floor rate is 1.99% APR as of 5/01/16.