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All SDCCU branches and Call Center will be closed on Saturday, July 4, 2026 in observance of the 4th of July holiday. Our 30,000 ATMs and mobile and online banking are available for your convenience.
All SDCCU branches and Call Center will be closed on Saturday, July 4, 2026 in observance of the 4th of July holiday. Our 30,000 ATMs and mobile and online banking are available for your convenience.
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New & Used Auto Loans

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SDCCU is Your Trusted Credit Union for Auto and Motorcycle Loans

SDCCU's competitive auto loan rates can help you with an affordable new or used car or motorcycle loan. Voted BEST Auto Loan Provider by The San Diego Union-Tribune Readers Poll, San Diego County Credit Union offers auto loan programs to fit your needs, an easy and secure online application and even up to 90 days of no payments1. 

BEST Auto Loan Provider

BEST Auto Loan Provider

San Diego's BEST Union-Tribune Readers Poll

Low Fixed Rates

Low Fixed Rates

Low fixed interest rates

No Payments

No Payments

No Payments for 90 Days1

Auto Buying Service

Auto Buying Service

Signature Auto Buying Service

Apply for an auto loan today.

SDCCU offers some of the best credit union auto and motorcycle loans in the market, offering affordability and flexibility for those in San Diego, Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Luis Obispo, Santa Barbara or Ventura counties. Our streamlined process to apply for an auto loan online, transparent rates and financing to fit your budget make purchasing a new or pre-owned vehicle easy.

Listed below you will find the auto loans available to those looking to purchase their next vehicle or motorcycle in Southern California. If you have already started an auto loan application, you can check your current loan status. 

Auto Loans

Auto Loans

San Diego County Credit Union offers new and used auto loans to get you in the vehicle of your dreams. Apply for a SDCCU auto loan before you start your vehicle shopping process. This can allow you to shop for your next vehicle more confidently, as you will have a better idea of your budget and auto loan payment. When looking for auto loans in Southern California, SDCCU can provide you with flexible options. Apply Online View Rates
Auto Loans
Motorcycle Loans

Motorcycle Loans

Explore the open road by financing your next motorcycle with a motorcycle loan from San Diego County Credit Union. With a SDCCU motorcycle loan, we can help you finance your passion, whether it's on a cruiser or a chopper. We specialize in providing competitive motorcycle loan rates, and our online application process is streamlined and user-friendly, making it easy for you to secure financing from anywhere in Southern California. 
  • Terms up to 84 months3
  • Up to 100% financing
Apply Online View Rates

Membership required. All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors.
190 days no payments is for qualified buyers and interest will accrue from date of contract. Payment example: 48 monthly payments of $22.94 per $1,000 borrowed at 4.69% fixed APR on a new 2025-2027 vehicle.
284 monthly payments of $14.65 per $1,000 borrowed at 5.99% fixed APR on New Autos 2025 or newer. A minimum $25,000 loan amount is required for terms greater than 78 months.
384 monthly payments of $16.62 per $1,000 borrowed at 9.89% fixed APR on 2025 or newer street-legal motorcycles. A minimum $25,000 loan amount is required for terms greater than 78 months. 

VIEW OUR CURRENT LOAN & DEPOSIT RATES

More Auto Services

Buying a new vehicle or motorcycle can often be an important purchasing decision. With so much information and options out there, it can sometimes be overwhelming for those who are unfamiliar with the vehicle buying process. This is why San Diego County Credit Union is here to assist you through the auto loan process. Discover more services below, created by our financial experts, or feel free to contact one of our branches to speak with an auto loan and motorcycle loan expert today!

Auto Buying Services

SDCCU is here to help you save time and money with two fantastic auto buying services.

Learn More About Auto Buying Services

Vehicle Payment Protection

We carefully choose providers that ensure you have the best possible choices for protecting your vehicle.

Learn More About Payment Protection

Car Loan Calculators

Check out free online auto loan calculators to help you make smart financial decisions.

Learn More About Car Loan Calculators

FAQS

Frequently Asked Questions

SDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.

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