New & Used Auto Loans

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. If you've already begun an application, easily check the status of your loan.

BEST Auto Loan Provider

San Diego's BEST Union-Tribune Readers Poll

Low Fixed Rates

Low fixed auto loan rates

No Payments

No Payments for 90 Days¹

Auto Buying Service

Signature Auto Buying Service

Affordable Auto Loans in California

SDCCU offers some of the best credit union auto and motorcycle loans in the market, offering affordability and flexibility for California residents in San Diego, Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Luis Obispo, Santa Barbara, or Ventura counties. With our streamlined online application, transparent rates, and financing options tailored to your budget, we make buying a new or pre-owned vehicle easy.

Explore our loans for cars, trucks, and SUVs as well as our motorcycle loans.

SDCCU Auto Loans

SDCCU partners with you to make the car-buying process easier and more affordable. Explore our flexible terms and rates, and we’ll help you determine which vehicle and loan works best for your needs. We'll even do the car shopping for you. Our Auto Buying Service will search dealership inventory throughout Southern California to find your perfect vehicle, taking the guesswork and tedium out of car shopping.

Up to 100% financing
90 days no payments¹
Terms up to 84 months²
Signature Auto Buying Service available
Convenient loan payment options

APPLY FOR AN AUTO LOAN VIEW AUTO LOAN RATES

SDCCU Motorcycle Loans

Explore the open road with a motorcycle loan from San Diego County Credit Union. Whether you’re riding a cruiser, sport bike, or chopper, SDCCU’s flexible loans make your next ride more affordable. We specialize in competitive motorcycle financing with convenient terms and low rates for riders throughout Southern California. Plus, our user-friendly online application process makes it easy to apply for financing anytime, from anywhere.

Terms up to 84 months³
Up to 100% financing
Convenient loan payment options

APPLY FOR A MOTORCYCLE LOAN VIEW MOTORCYCLE LOAN 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 New Motorcycles 2025 or newer. 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 car or motorcycle is a big decision. With so many options and details to consider, the process can sometimes feel overwhelming. SDCCU is here to help guide you through every step of the auto and motorcycle loan process. Explore our resources and services below.

Auto Buying Services

SDCCU is here to help you save time and money with our fantastic auto buying service.

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

Learn More About Car Loan Calculators

FAQS

Frequently Asked Questions

Do you have to be a member of SDCCU to get an auto loan?

Yes, San Diego County Credit Union membership is required to apply for an auto loan but opening an account is fast and easy and offers great benefits like flexible financing options as well as competitive rates and terms. Once you become a member, you gain immediate access to a variety of financial products and services designed to meet your needs, as well as members-only discounts. Apply online, visit a branch, or call (877) 732-2848 today.
How long do you need to be a SDCCU member before applying for an auto loan?

There is no minimum membership duration before you can apply for an auto loan at SDCCU. If you are purchasing a vehicle from a dealership, let them know you would like to finance it through SDCCU. If approved, they can open your membership and finalize your loan at the same time.
Can I get an auto loan with a low credit score?

A low credit score does not automatically disqualify you from financing. Approval depends on several factors, including your credit history, income, and overall financial situation. If you’re working to improve your credit, taking time to build stronger credit habits may help expand your options. To learn more about building a strong credit history, credit management and understanding your credit report, visit sdccu.com/balance.
How do I make auto loan payments?

SDCCU offers a variety of convenient ways to make auto loan payments. Learn more by visiting sdccu.com/payments.
How can I make a loan payment to another financial institution using online banking?

SDCCU offers many convenient ways to make a loan payment. For a loan payment to another account, please use Bill Payer Plus^®.
How do I apply for an auto loan?

You can apply for an auto loan with SDCCU online, by visiting any of our branch locations, or by calling us at (877) 732-2848. Applying before shopping can help you better understand your budget and financing options.
What credit score do I need to apply and qualify for an auto loan?

Your credit score is one of several factors considered when applying for an auto loan. Additional consideration factors may include your debt-to-income ratio, length of credit history, and previous credit management. Improving your credit profile may help increase your eligibility and financing opportunities. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
What determines my auto loan rate?

When applying for an auto loan, your auto loan rate may vary based upon the collateral, amount financed, loan term and your credit history.