Up to $100 Cash Back

Not only will you get great low rate, but we'll also give you up to $100 cash back once your new or used auto loan funds**. Be sure to enter promo code CARBUCKS when submitting your application to get your cash! Offer expires April 30, 2014.


USC Auto Loan- Free Gas Offer

100% Financing

Get your next car with no down payment. We'll finance up to 100% of a new car's purchase price, including tax and license, as well as 100% of a used car's retail Blue Book value.

New and Used Car Loans

We've made our used car loan rates as low as our new car rates to ensure you get a great deal no matter what you're shopping for.

Refinancing

Is a high monthly car loan payment straining your budget? Reduce your interest or monthly payment - possibly both - by refinancing your loan from another lender with USC Credit Union. Refinance today with a lower rate and receive 1% cash back (up to $300)** .

Flexible Terms

Choose a short-term loan to own your vehicle sooner or a long-term loan for the lowest possible payments.

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 protects you against costly out-of-pocket expenses by paying what your insurance doesn't.

Direct Deposit Discounts

We'll lower your auto loan rate by .25% if you have direct deposit to a USC Credit Union account or set up automatic payments for your loan.1

Motorcycle and RV Loans

We finance fun both off and on the road with loans for new or used motorcycles, motorhomes, campers, trailers and boats. Find out more here.




New Auto Loans Rates*
Effective 04.24.2014  
All rates and terms subject to change without notice  
Term  80% Financing APR  100% Financing APR  
36 Months  1.74%  1.84%  
48 Months  1.74%  1.84%  
60 Months  1.89%  1.99%  
72 Months  1.99%  2.09%  

Used Auto Loans Rates*
Effective 04.24.2014  
All rates and terms subject to change without notice  
Term  80% Financing APR  100% Financing APR  
36 Months  1.74%  1.84%  
48 Months  1.74%  1.84%  
60 Months  1.89%  1.99%  
72 Months  2.49%  2.59%  

*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.

Important Notes — Auto, Motorcycle, Boat and RV Loans
  • Rates displayed are Annual Percentage Rate. Rates and payments start as low as the above published rates, and are based upon applicant credit evaluation, as determined by applicant's credit, payment history purchase price or retail value of used vehicle.
  • Rates for auto loans, motorcycles, boats and RV's include a 0.25% interest rate discount for direct deposit or automatic payment to loan from any USCCU or non-USCCU account. Contact USCCU for maximum loan terms.



Download our complete ratesheet.

*APR (Annual Percentage Rate) is effective as of 4/1/14, is based on creditworthiness, is our best rate and includes a 0.25% rate discount for automatic payments. Based on a 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. 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. Minimum loan amounts include $8,000 for a 60-month term loan and a minimum loan amount of $25,000 for a 72 or 84-month term loan. Membership eligibility requirements and membership fees may apply. This promotional rate is available for a limited time and rates and terms are subject to change without notice.
**Cash back offer is available only for refinanced automobile loans from outside lenders or new purchase loans. The cash incentive will be direct deposited into the member's share account within 60 days of loan funding. If the loan pays off within one year of funding, the incentive amount will be deducted from the member's account. Offer expires April 30, 2014. Loan must fund by April 30, 2014 to receive the cash back offer.

ATM/Shared Branch Locator

 
SMS address, intersection or ZIP code to 692667 to find nearest surcharge-free ATMs.


Auto Loan APR as Low as

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