Vehicle Refinancing

Low rates that will really get you moving

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Reduce your interest or monthly payment (or even both!) by refinancing your loan from another lender with a loan from USC Credit Union. 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.

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.

as low as
2.14%
APR

Rates:

New Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.99%
    1.99%
  • 48 Months
    1.99%
    1.99%
  • 60 Months
    1.99%
    1.99%
  • 72 Months
    2.49%
    2.49%

Used Auto Loans

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    2.14%
    2.14%
  • 48 Months
    2.14%
    2.14%
  • 60 Months
    2.14%
    2.14%
  • 72 Months
    2.74%
    2.74%

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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*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.