Auto Loans

Affordable rates and high-touch service.

It’s work just shopping for a vehicle. Make the financing process a little easier on yourself with a USC Credit Union auto loan. You can count on us for affordable auto loan rates and exceptional service. Take a look at our current rates, and let’s get rolling.

  • Competitive and affordable rates1
  • Save an extra 0.25% with our clean-energy vehicle loan2
  • Up to 120% financing3 (includes tax, license, and mechanical breakdown insurance)
  • Optional protection:
    • Added protection when your insurance won’t cover your auto loan balance
    • Coverage on repairs beyond the manufacturer’s warranty
    • Peace of Mind Protection when the unexpected happens


Go green with USC Credit Union. Help us lead the way to a cleaner future by driving a vehicle that boosts fuel efficiency and cuts harmful emissions. You’ll save an extra 0.25%2 and help protect the planet.

Guaranteed Auto Protection (GAP). If your vehicle is stolen or totaled in an accident, your insurance will pay only the fair market value, often 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. 

Major Mechanical Protection. Protect your vehicle well beyond the manufacturer’s warranty. Major Mechanical Protection covers repair costs when your ride breaks down and provides a variety of additional benefits at no cost such as 24-hour Roadside Assistance, Rental Vehicle Assistance, Tire Protection, and more. 

Peace of Mind Protection. You can’t control everything in life – but you can help protect your finances with Peace of Mind Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.

Auto Loans + Touring Motorcycles over 1200cc*

Rates accurate as of 12/1/2023
All rates and terms subject to change without notice.

Term and rates for auto loans, and loans for touring motocycles over 1200cc¹
Term100% Financing APR as low as
36 Months5.74%
48 Months5.99%
60 Months6.24%
72 Months6.49%
84 Months6.99%

*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2021 or newer vehicle models. Rates are subject to change based on vehicle year.

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 2021 or newer vehicle models. Rates are subject to change based on vehicle year.

Let’s put you in the driver’s seat.

Take control of the car shopping process with financing, buying services, and insurance from USC Credit Union.

Fast and easy way to fill out membership application as well as auto loan application. Lowest interest rate I found!


  • RV Loans

    Finance your fun on four wheels – or on the water! USC Credit Union offers competitive rates to purchase or refinance new or used RVs, motorcycles, e-bikes and boats.

  • Trojan Insurance

    Life happens, and accidents do too. Cover yourself with insurance for vehicles, homes, businesses, and more through USC Credit Union’s Trojan Insurance Services.

  • 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.


1Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2021 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 12.1.2023, 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.

2The 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.

3Up 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.