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Vehicle Loan Rates & Terms

Auto Loan Rates & Terms

Effective
 
and subject to change.
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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 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 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 rates and terms below.

Auto Loan Rates

Annual Percentage Rates (As Low As)
Model Year Terms Up To 42 Months Terms Up To 66 Months Terms Up To 78 Months Terms Up To 84 Months
2016 and newer 3.15% 3.65% 4.15% 5.65%
2010 – 2015 5.15% 5.65% - -
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, amount financed, term and credit history. A minimum $15,000 loan amount is required for terms greater than 66 months and a minimum $30,000 loan amount is required for terms greater than 78 months. 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 $25.19 per $1,000 borrowed at 3.15% fixed APR on 2016 or newer vehicles. 
 

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 Months Terms Up To 84 Months
2016 and newer 5.15% 5.65% 6.15% 7.65%
2010 – 2015 7.15% 7.65% - -

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, amount financed, term and credit history. A minimum $15,000 loan amount is required for terms greater than 66 months and a minimum $30,000 loan amount is required for terms greater than 78 months. 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 $26.08 per $1,000 borrowed at 5.15% fixed APR on 2016 or newer vehicles.

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