Auto Loan Rates & Terms

Auto and Motorcycle Financing

SDCCU is here to help you finance your vehicle. Whether you’re looking to buy a new or used car, truck or motorcycle, San Diego County Credit Union auto loan rates and terms fit your needs.

Our current low auto rates for Californians can help you save on your next car, truck, SUV, or motorcycle. We’re dedicated to making the car loan process as easy and simple as possible with both online and in-person applications for loans – we’ll even shop for your car and negotiate the best price for you with our Auto Buying Service.

If you need additional information about financing an auto loan, feel free to contact us or visit one of our branches!

2026 Auto Loan Rates

SDCCU is committed to offering some of the best new and used auto loan rates to help you drive away in your perfect car. Our financing options provide flexibility and affordability to customers throughout San Diego and Southern California. Enjoy up to 100% financing and no payments for 90 days¹ with an auto loan from SDCCU. 

_{New Autos cannot be previously registered, unregistered regularly used vehicles, or operated as a demonstrator. Annual Percentage Rates (APRs) shown are for qualified borrowers and reflect loan amounts up to 120% of the retail value. Rate valid for 30 days from the submission date of the original application.}

_{*Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. Certain other fees and restrictions may apply. 48 monthly payments of $22.94 per $1,000 borrowed at 4.69%, 66 monthly payments of $17.26 per $1,000 borrowed at 4.69%, 78 monthly payments of $15.08 per $1,000 borrowed at 4.99%, 84 monthly payments of $14.65 per $1,000 borrowed at 5.99%, fixed APR on New Autos.}

¹_{90 days no payments is for qualified borrowers and interest will accrue from date of contract.}
²_{A minimum $15,000 loan amount is required for terms greater than 66 months or a minimum $25,000 loan amount is required for terms greater than 78 months.}

2026 Motorcycle Loan Rates

San Diego County Credit Union is your go-to source for competitive motorcycle loan rates. Whether it's a daily commute or a weekend adventure, we're here to help you finance your ride without hassle. Explore our current new and used motorcycle loan rates and find a loan payment plan that lets you enjoy the freedom of the road without financial worry. 

<sub>New Motorcycles cannot be previously registered, unregistered regularly used vehicles, or operated as a demonstrator. Annual Percentage Rates (APRs) shown are for street-legal motorcycles for qualified borrowers and reflect loan amounts up to 110% of the retail value. Rate valid for 30 days from the submission date of the original application. 

*Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. The minimum monthly loan payment is $100. Certain other fees and restrictions may apply. 48 monthly payments of $23.73 per $1,000 borrowed at 6.39%, 66 monthly payments of $18.31 per $1,000 borrowed at 6.89%, 78 monthly payments of $16.74 per $1,000 borrowed at 8.39%, 84 monthly payments of $16.62 per $1,000 borrowed at 9.89%, fixed APR on New Motorcycles.</sub>

²_{A minimum $15,000 loan amount is required for terms greater than 66 months or a minimum $25,000 loan amount is required for terms greater than 78 months.}

_{All loans are subject to approval. Auto loan financing available in CA, AZ and NV only. Motorcycle loan purchase financing available in CA only. Certain limitations apply.}

_{Calculate Your Loan Payments & Apply Online}

Ready to take the next steps toward your new vehicle? With tailored options to suit any budget, you can confidently navigate your options and determine what you can afford. Click the link below to apply for an auto loan online today and get closer to hitting the road in the car or motorcycle that's right for you. If you're still considering your budget, visit our auto loan payment calculator to get a sense of what you can afford before you apply.