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New & Used Auto Loans

Take advantage of all the benefits of a SDCCU Auto Loan

SDCCU is here to help with your car loan process to get you in an automobile as soon as possible. Whether you’re looking to buy a new or used car or motorcycle, or refinance your existing auto loan, there’s a San Diego County Credit Union auto loan program to fit your needs. 

When it comes to your auto loan, we offer an easy & secure online application. We’ve also been voted as the BEST Auto Loan Provider by The San Diego Union-Tribune Readers Poll. Upon approval, we even offer up to 90 days of no payment1 with your auto loan. Now is the time to take advantage of all the benefits and apply for a SDCCU auto loan or motorcycle loan.

BEST Auto Loan Provider

San Diego Union-Tribune Readers Poll

Low Fixed Rates

Low fixed interest rates

No Payments

No Payments for 90 Days1

Auto Buying Service

Signature Auto Buying Service2

Low Payments with

Auto loan rates as low as 3.15% APR*
Motorcycle rates as low as 5.15% APR**

*LEARN MORE

Apply for an auto loan today.

Listed below you will find the three auto loans available to those looking to purchase their next vehicle or motorcycle in San Diego, Riverside and Orange counties! If you have already started an auto loan application, you can check your current loan status.

Family in car

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. When looking for auto loans in San Diego, Riverside and Orange counties, SDCCU can provide you with flexible options. Apply Online Visit a Branch
Family in car

Auto Refinance

Save money on your monthly payments by refinancing4 your vehicle.
  • Easy process
  • Whether from us or another lender
  • Refinance your owned-free-and-clear vehicle
Apply Online Visit a Branch
Person on motorcycle

Motorcycle Loans

Explore the open road by financing your next motorcycle with a motorcycle loan from San Diego County Credit Union. With this SDCCU motorcycle loan, we can help you finance your passion, whether it's on a cruiser of a chopper.
  • Terms up to 84 months5
  • Up to 100% financing
Apply Online Visit a Branch
Person on motorcycle
People talking

AdvanceCheck™

Vehicle Purchases Made Easy with AdvanceCheck6
We've made purchasing a vehicle easier than ever with this auto loan option!
  • Upon approval, ask for your AdvanceCheck.
  • Take the check to any California Franchise Dealership of your choice to purchase your vehicle.
  • Complete and sign the check and you're on your way.
  • It's as easy as sign and drive!
Apply Online Visit a Branch

Subject to approval. Auto and motorcycle loan financing available in CA, NV, and AZ only. Certain limitations apply. Other rates are available and your APR may vary based upon the collateral, amount financed, term and credit history. Rates and terms subject to change.
190 days no payments is for qualified buyers and interest will accrue from date of contract. Payment example: 42 monthly payments of $25.19 per $1,000 borrowed at 3.15% fixed APR on 2016 or newer vehicles.
2TrueCar is not affiliated with SDCCU.
384 monthly payments of $14.45 per $1,000 borrowed at 5.65% fixed APR on 2016 or newer vehicles. A minimum $30,000 loan amount is required for terms greater than 78 months.
4For internal refinance fees, please view our Fee Schedule.
584 monthly payments of $15.42 per $1,000 borrowed at 7.65% fixed APR on 2016 or newer street-legal motorcycles. A minimum $30,000 loan amount is required for terms greater than 78 months.
6Available on vehicles 2016 or newer purchased from a California Franchise Dealer, up to your pre-approved amount.

*APR = Annual Percentage Rate. APR valid as of 5/20/19. APR shown is for qualified borrowers and reflects loan amounts up to 120% of the retail value and is for a 2016 or newer vehicle. 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). APR, rate, terms and conditions are subject to change. **Subject to credit approval. APR = Annual Percentage Rate. APR valid as of 5/20/19 for street-legal motorcycles. APR shown is for qualified buyers and reflects loan amounts up to 110% of the retail value and is for a 2016 or newer motorcycle. Other rates are available and your APR may vary based upon the motorcycle, amount financed, term and credit history. Internal refinance fee applicable for existing SDCCU loans (refer to the Consumer Services Fee Schedule). APR, rate, terms and conditions are subject to change.

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, that were 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!

FAQ
Frequently asked questions
  • How do I apply for an auto loan?
    You can apply for a SDCCU auto loan online, by visiting any of our branch locations or by calling us at (877) 732-2848. You can apply to purchase an automobile or refinance your existing vehicle.
  • What credit score do I need to apply and qualify for an auto loan?
    Your credit score is one of several factors that determine qualification for applying for an auto loan. Other factors that are considered for your car loan include debt to income ratio, how well you have managed prior credit and length of credit history. If you have a poor credit history, there may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
  • Can I get an auto loan with bad credit?
    A low credit score may not necessarily preclude you from obtaining a SDCCU auto loan. You may still be able to obtain a car loan, depending on your credit history and other factors that influence your borrowing ability. If you have a poor credit profile, you may want to consider taking the time to build your credit and strengthen your personal finances before pursuing a car loan. To learn more about building a strong credit history, credit management and understanding your credit report, visit sdccu.com/balance.
  • Can I refinance my car loan through SDCCU?
    You can apply to refinance your car loan with SDCCU through the same application process as those purchasing a vehicle. Simply apply online, visit any of our branch locations or call us at (877) 732-2848.
  • Can I make auto loan payments online?
    Yes. You can make payments on your SDCCU auto loan using Internet Branch online banking at sdccu.com or via the SDCCU mobile banking app. Simply transfer funds from your SDCCU checking or savings account to your auto loan account. You can also schedule your payments to be automatically deducted on your due date by contacting us via Live Chat or calling (877) 732-2848. We’re here to help make your payments for your auto loan online as easy as possible.
  • 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.
  • How much can I borrow with an auto loan?
    Apply for pre-qualification for an auto loan online today to see how much you may qualify for. It is also recommended that you check our auto loan payment calculators to determine how much you can afford for your car loan.