Vehicle Loans

Vehicle Loans

Excellent service. Best rates in town. Your words, not ours.

Quick fact: Most banks have to cater to shareholder interests. Credit unions don’t, so we can offer more competitive auto loan rates. Your smartest move? Turn to USC Credit Union. We finance all vehicles – cars, trucks, eBikes, RVs and motorcycles. And along with rates and terms you can feel good about, you’ll enjoy the convenience of our no-fee online application and the personal service of our member specialists – experts at making sure you drive away happy.

Vehicle Loan Features

  • Competitive auto loan rates
  • Affordable monthly payments
  • Up to 120% financing1
  • Flexible repayment terms
  • Same-day approval in most cases with a simple online application
  • Special rate discounts for added savings2,3
  • No prepayment penalties
  • Cover the unexpected with optional Peace of Mind Protection

Auto Loans

Low rates and high-touch service.

Whether you’re shopping for a new or used car or truck, you can count on USC Credit Union for affordable auto loan rates and service.

  • Up to 120% financing1 
  • Save an extra 0.25% with our clean-energy vehicle loan3

APR is accurate as of 6.18.2024

As low as:


Auto Loan Refinancing

Bank-beating auto loan rates.

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

  • Low auto loan rates and no application fee
  • Save an extra 0.25% on your auto loan rate by enrolling in automatic payment2

APR is accurate as of 6.18.2024

As low as:


Recreational Vehicles

Finance your fun with USC Credit Union’s competitive rates and flexible terms on new or used RVs, boats, motorcycles, and e-bikes.

  • Optional Peace of Mind Protection, so you aren’t compounded by financial worry, when the unexpected happens
  • Save an extra 0.25% on your auto loan rate by enrolling in direct deposit2

APR is accurate as of 6.18.2024

Starting at:


Trojan Insurance

The best pricing and providers.

Life happens, and accidents do too. USC Credit Union can help with bank-beating rates on auto loans and other insurance coverage.

  • Exclusive provider network
  • Low-cost insurance options

Trojan Auto Buying

Your car or truck at your price (or better).

Need a new set of wheels but don’t have time to kick the tires – or haggle over the price? Let USC Credit Union’s auto buying service do the legwork for you.

  • TrueCar member pricing
  • Exclusive dealer network

Calculate Your Loan Payment

Wondering how much you can afford? Run a scenario of what’s realistic for your budget and payment preferences.

Your estimated monthly loan payment:

$0 / month

Additional info to know about your new car:

Total paid over the life of the loan
Total interest paid on the loan
Compare auto loan options
Term Interest Monthly Payment Lifetime Loan Total Lifetime Interest Paid

*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Rates are subject to change based on vehicle year.

Excellent service. I get all my loans from USC Credit Union. Auto and mortgage. Best rates in town.


  • Save Smart, Live Large

    Grow your savings to new heights with a competitive 5.25% APY* 9-Month Certificate. Make your money climb with a low minimum deposit of just $1,000 in new-to-USCCU funds.

  • Credit Cards

    No annual fees. No foreign transaction fees. More “yes” answers. Apply for a USC Credit Union Mastercard® credit card today.

  • Savings Accounts

    The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.


1Up 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.

2Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Such rates are subject to change based on vehicle year. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Annual Percentage Rate (APR) is effective as of 6.18.2024, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 5.74% is $30.30. 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, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.

3The 0.25% discount for automatic payments and the 0.25% discount for clean energy vehicles can be combined, so long as the rate does not go below the 4.99% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.

490-day deferred payment option for qualified borrowers. Interest accrues immediately.