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Vehicle Loan Rates & Terms

Auto Loan & Refinance Rates & Terms

Effective
 
and subject to change.
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SDCCU is here to help you finance your vehicle. We're here to get you in an automobile as soon as possible. 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.

SDCCU offers two auto loan rate charts for you to review below. One focuses primarily on automobiles while the other chart focuses on motorcycle loan rates. With so many different auto loan financing and vehicle loan rate options out there, it can sometimes get overwhelming for those new to this process. If you need additional information about the auto loan process, feel free to contact one of our branches to speak to an auto loan rate expert today!

View our available auto loan financing rates and terms below.

Auto Loan Rates

Annual Percentage Rates (As Low As*)
Model Year Terms Up To 48 Months Terms Up To 66 Months Terms Up To 78 Months¹ Terms Up To 84 Months¹
New Auto  2022-2023 1.99% 2.74% 2.99% 3.69%
Used Auto 2018-2023 2.24% 2.99% 3.24% 3.99%
Used Auto 2017 2.24% 2.99% 3.24% -
Used Auto 2013-2016 2.24% 2.99% -
New Auto is current year model and newer, or never registered & with less than 5,000 miles. Annual Percentage Rates (APRs) shown are for qualified borrowers and reflect loan amounts up to 120% of the retail value.

*Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. Internal refinance fee applicable for existing SDCCU loans (refer to the Consumer Services Fee Schedule). Certain other fees and restrictions may apply. 48 monthly payments of $21.69 per $1,000 borrowed at 1.99%, 66 monthly payments of $16.25 per $1,000 borrowed at 2.49%, 78 monthly payments of $14.01 per $1,000 borrowed at 2.69%, 84 monthly payments of $13.42 borrowed at 3.39%, fixed APR on New Autos 2022 or newer.
¹A minimum $15,000 loan amount is required for terms greater than 66 months or a minimum $30,000 loan amount is required for terms greater than 78 months.
 

Motorcycle Loan Rates

Annual Percentage Rates (As Low As*)
Model Year Terms Up To 42 Months Terms Up To 66 Months Terms Up To 78 Months¹ Terms Up To 84 Months¹
2018 and newer 4.39% 4.89% 5.89% 7.39%
2013 – 2017 6.39% 6.89% - -

Annual Percentage Rates (APRs) shown are for street-legal motorcycles for qualified borrowers and reflect loan amounts up to 110% of the retail value.

*Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. Internal refinance fee applicable for existing SDCCU loans (refer to the Consumer Services Fee Schedule). The minimum monthly loan payment is $100. Certain other fees and restrictions may apply. 42 monthly payments of $25.73 per $1,000 borrowed at 4.39%, 66 monthly payments of $17.32 per $1,000 borrowed at 4.89%, 78 monthly payments of $15.47 per $1,000 borrowed at 5.89%, 84 monthly payments of $15.29 per $1,000 borrowed at 7.39%, fixed APR on 2018 or newer vehicles.
¹A minimum $15,000 loan amount is required for terms greater than 66 months or a minimum $30,000 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; refinancing available in CA, AZ and NV. Certain limitations apply.