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Auto Loan Rates & Terms

Effective May 30, 2024 and subject to change.
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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.

SDCCU's low APRs can help you save on your auto, truck or motorcycle loan payment and represent the Annual Percentage Rate, which is the total cost of borrowing to purchase a vehicle, expressed as a yearly interest rate. 

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

View our available auto loan financing rates and terms below.

Auto Loan Rates

SDCCU is committed to offering some of the best auto loan rates to help you drive away in your perfect car. Our financing options provide flexibility and affordability to customers throughout Southern California. 

Annual Percentage Rates (As Low As*)
Model YearTerms Up To 48 MonthsTerms Up To 66 MonthsTerms Up To 78 Months¹Terms Up To 84 Months¹
New Auto  2024-20255.99%6.24%6.74%7.74%
Used Auto 2020-20256.24%6.49%6.99%8.04%
Used Auto 20196.24%6.49%6.99%-
Used Auto 2015-20186.24%6.49%-

New Auto is 2024-2025 model year, not previously registered or regularly used, and under 5,000 miles. 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 $23.54 per $1,000 borrowed at 5.99%, 66 monthly payments of $17.99 per $1,000 borrowed at 6.24%, 78 monthly payments of $15.92 per $1,000 borrowed at 6.74%, 84 monthly payments of $15.52 per $1,000 borrowed at 7.74%, fixed APR on New Autos 2024 or newer.

¹A 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.

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 motorcycle loan rates and find a payment plan that lets you enjoy the freedom of the road without financial worry. 

Annual Percentage Rates (As Low As*)
Model YearTerms Up To 48 MonthsTerms Up To 66 MonthsTerms Up To 78 Months¹Terms Up To 84 Months¹
New Motorcycle 2024-20256.89%7.39%8.39%9.89%
Used Motorcycle 2015-20258.89%9.39%--

New Motorcycle is 2024-2025 model year, not previously registered or regularly used, and under 5,000 miles. 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 $23.97 per $1,000 borrowed at 6.89%, 66 monthly payments of $18.55 per $1,000 borrowed at 7.39%, 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 2024 or newer.

¹A 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 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 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.

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