Vehicle Refinancing

Low rates that will really get you moving

< View all Vehicles options

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
1.85%
APR

Rates:

New Auto Loans*

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.85%
    1.85%
  • 48 Months
    2.10%
    2.10%
  • 60 Months
    2.10%
    2.10%
  • 72 Months
    2.50%
    2.50%

Used Auto Loans*

  • Term
    80%
    Financing APR
    100%
    Financing APR
  • 36 Months
    1.85%
    1.85%
  • 48 Months
    2.10%
    2.10%
  • 60 Months
    2.10%
    2.10%
  • 72 Months
    2.50%
    2.50%

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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* Representative monthly payment example per $1,000: $85.61 for 12 months at 5.00% APR, $43.87 for 24 months at 5.00% APR, $29.97 for 36 months at 5.00% APR, $23.03 for 48 months at 5.00% APR, $18.87 for 60 months at 5.00% APR, and $16.10 for 72 months at 5.00% APR.