Phone and text scams are on the rise. Never give your account number, PIN or any other personal financial information to an unknown caller or suspicious text message. Please visit our Ways to Prevent Identity Theft page for details on phishing/vishing/smishing and additional ways to protect yourself and personal information.  ×

New & Used Auto Loans & Leases

Refinance your auto loan today!
Refinance your auto loan to SDCCU and get 1% cash back on your loan amount, up to $500! With rates as low as 1.49% APR,** lower monthly payments and peace of mind can be yours.

Whether you’re looking to buy a new or used car or refinance your existing car loan, there’s a San Diego County Credit Union auto loan program to fit your needs. Our unique Summer Saver Auto Loan™ allows qualified borrowers to skip their July & August car loan payments.¹
low rates

Low Rates

fixed rate
full financing

Up to 100%

financing
no payments

90-days No Payments²

pick your due date

Apply for your auto loan online in minutes.

¹Qualified borrowers will skip payments in July and August throughout the term of their loan, provided they remain in good standing per program qualifications. Not eligible for other skip payment offers. View the rate sheet or contact SDCCU for details.
²90 days no payments is for qualified buyers and interest will accrue from date of purchase.
³Auto sales offered through SD Auto Sales/Leasing. 
484 monthly payments of $13.66 per $1,000 borrowed at 3.99% fixed APR on 2010 or newer vehicles. $15,000 minimum loan amount for terms greater than 66 months and a minimum $30,000 loan amount is required for terms greater than 78 months.
5Other fees may apply when refinancing.
684 monthly payments of $14.61 per $1,000 borrowed at 5.99% fixed APR. Subject to approval. APR shown is for qualified buyers and reflects loan amounts up to 100% of the retail value and is for 2010 and newer motorcycles. A minimum $15,000 loan amount is required for terms greater than 66 months and a minimum $30,000 loan amount is required for terms greater than 78 months. Other rates, terms and conditions may apply.
760 monthly payments of $21.74 per $1,000 borrowed at 10.99% fixed APR. Recreational sports vehicles include ATVs, off-road motorcycles and personal watercraft.
8180 monthly payments of $10.74 per $1,000 borrowed at 9.99% Fixed APR. $100,000 minimum loan amount for 180 month terms.
Payment examples are based on APRs offered 07/24/13. Rates and terms subject to change.
Subject to credit approval. *The cash back will be 1% of the loan amount up to a maximum of $500 and will be credited to the primary applicant’s share account within 10 business days of loan funding. **APR = Annual Percentage Rate. APR valid as of 05/01/14. 1.49%: 42 monthly payments of $24.46 per $1,000 borrowed. APR shown is for qualified buyers and reflects loan amounts up to 120% of the retail value. Other rates are available and your APR may vary based upon the vehicle, amount financed, term and credit history. Other fees and restrictions may apply.
**Subject to credit approval. APR = Annual Percentage Rate. APR valid as of 6/1/2014 for street-legal motorcycles. 3.49% APR is for 42 monthly payments of $25.33 per $1,000 borrowed. APR shown is for qualified buyers and reflects loan amounts up to 100% of the retail value and is for 2010 and newer motorcycles. Other rates are available and your APR may vary based upon the vehicle, amount financed, term and credit history. Internal refinance fee applicable for existing SDCCU® loans (refer to the Consumer Services Fee Schedule). Certain other fees and restrictions may apply.
Open an accountin minutes Apply for a loan easily online

Why People Love Us

SDCCU Reviews

"I have been a SDCCU member for many years and am amazed how friendly and fast service is. I have had nothing but excellent service at SDCCU. Every time I visit a branch I am greeted with a hello and a smile." Andrea Z., Lake ElsinoreMember since 2007

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 34 branch locations in San Diego, Riverside and Orange counties. Open an account today.


ABOUT SSL CERTIFICATES
30,000 surcharge-FREE ATMs

30,000 Surcharge-FREE ATMs

Access your money anywhere with 30,000 surcharge-FREE co-op ATMs nationwide.
Find an ATM
5/5 ARM

No Closing Costs

5/5 ARM Home Loan
Learn More
Auto Buying Service

Let SDCCU Do The Work!

You provide the details of the car you want and we'll locate it, negotiate the price and coordinate delivery for you – at no cost.
Learn More
0% Intro APR

0% Intro APR* on Balance Transfers

Good through May 1, 2015 on balance transfers made by October 1, 2014.
*Learn More
Check. Snap. Deposit.

SDCCU Mobile Deposit

Deposit checks from your smart phone in real time.
Get the App