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. Our not-for-profit status lets us pass our profits onto members in the form of lower rates – bank-beating rates in the case of auto loans.

  • 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:
    • Coverage on repairs beyond the manufacturer’s warranty
    • Debt protection when the unexpected happens

Direct Deposit Discounts. Besides low rates, you’ll save an extra 0.25%1 on your auto loan rate by enrolling in direct deposit. Just have your loan payments go direct to a USC Credit Union account or set up automatic payments.

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. Ask us for details.

Debt Protection. If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Ask us for details.

Auto Loans + Touring Motorcycles over 1200cc*

Rates accurate as of 6/9/2023
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 Months5.49%
48 Months5.74%
60 Months5.99%
72 Months6.24%
84 Months6.74%

*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 your vehicle financing by refinancing with USC Credit Union.

Once I got my membership confirmed, the process of joining and getting assistance applying for auto refinancing was wonderful!


  • Debit Cards

    Go cashless! Your Debit/ATM card lets you access the funds in your checking account with one quick swipe.

  • 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.

  • Direct Deposit

    Get paid early! Have your paycheck or any recurring payments deposited electronically into your checking account online. It’s safe, easy to set up, and a real timesaver.

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

2Up 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.

3Auto 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 6.9.2023, 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 5.49% is $30.19. 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.

4The 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 4.74% 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.