SDCCU is Your Trusted Credit Union for Auto and Motorcycle Loans
SDCCU’s competitive auto loan rates can help you with an affordable new or used car or motorcycle loan. Voted BEST Auto Loan Provider by The San Diego Union-Tribune Readers Poll, San Diego County Credit Union offers low fixed-rate auto loan programs to fit your needs, an easy and secure online application for financing and up to 90 days of no payments.
BEST Auto Loan Provider
San Diego's BEST Union-Tribune Readers Poll
Rates As Low As 4.69% APR*
Low fixed interest rates
No Payments
No Payments for 90 Days1
Auto Buying Service
Apply for an Auto Loan Today
SDCCU offers some of the best credit union auto and motorcycle loans on the market, offering affordability and flexibility for those in San Diego, Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Luis Obispo, Santa Barbara or Ventura counties. Our streamlined process to apply for an auto loan online, transparent rates and financing to fit your budget make purchasing a new or pre-owned vehicle easy.
Listed below you will find the auto loans available to those looking to purchase their next vehicle or motorcycle in Southern California.
Auto LoansSan 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 and auto loan payment. When looking for auto loans in Southern California, SDCCU can provide you with flexible options. For questions, call us at (877) 732-2848.
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Motorcycle LoansExplore the open road by financing your next motorcycle with a motorcycle loan from San Diego County Credit Union. With a SDCCU motorcycle loan, we can help you finance your passion, whether it's on a cruiser or a chopper. We specialize in providing competitive motorcycle loan rates, and our online application process is streamlined and user-friendly, making it easy for you to secure financing from anywhere in Southern California. For questions, call us at (877) 732-2848.
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 Use this calculator to get an estimate on your monthly car payments. | Use this calculator to discover how much car you can afford. | Find out which is the better value for you - low-cost financing or a rebate. |
Experience Stress-Free New Car Shopping with SDCCU's Auto Buying Service
Shopping for a new car can be a stressful and time-consuming endeavor, especially with the myriad of options available. SDCCU understands how challenging it can be to find the right vehicle while simultaneously balancing life's demands. With our easy auto buying service, finding your dream car has never been easier. Our dedicated team does all the leg work, from locating your desired vehicle to negotiating the best price and coordinating delivery, leaving you with more time to focus on what matters most. Kick-start your car buying journey today with San Diego County Credit Union.
Let us do the work for you! You provide the details of the new car you want and we'll locate it, negotiate the price and coordinate delivery for you.
- Select the new model vehicle you want. Determine the make, model, color and desired options.
- Contact a SDCCU Auto Buying Specialist by submitting your request using the form below or by calling (877) 732-2848, ext. 6500.
- Working with our vast dealership network, we will locate your dream car, negotiate the price and provide convenient delivery to your closest credit union branch.
It's really that easy!
Membership required. All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors.
*APR=Annual Percentage Rate. APR valid as of 10/24/25. 4.69% APR is for 48 monthly payments of $22.94 per $1,000 borrowed. APR shown is for qualified borrowers and reflects loan amounts up to 120% of the retail value and is for a new 2025-2027 vehicle purchase. Other rates are available and your APR may vary based upon the vehicle, amount financed, term and credit history. APR, rate, terms and conditions are subject to change.
190 days no payments is for qualified buyers and interest will accrue from date of contract. Payment example: 48 monthly payments of $22.94 per $1,000 borrowed at 4.69% fixed APR on a new 2025-2027 vehicle.
284 monthly payments of $14.65 per $1,000 borrowed at 5.99% fixed APR on New Autos 2025 or newer. A minimum $25,000 loan amount is required for terms greater than 78 months.
384 monthly payments of $16.62 per $1,000 borrowed at 9.89% fixed APR on 2025 or newer street-legal motorcycles. A minimum $25,000 loan amount is required for terms greater than 78 months.
Why Bank with SDCCU?
Because people come first
SDCCU has always made members the number one priority. Because of this deep-rooted commitment, we’re focused on providing all the banking services you need, but from a place that’s never for-profit, and still wholly owned and operated by its members.
Cost
We don't deal with outside stakeholders, so all earnings are returned to our members through lower fees and higher dividends.
Convenience
We have 30,000 surcharge-free ATMs, 39 branch locations, and mobile and online banking, so you can bank anywhere, anytime.
Community
We are proud members of the communities we call home, and participate in a lot of local programs and events to show our support.
WHAT PEOPLE ARE SAYING
"I have been a SDCCU member for many years and am amazed how friendly and fast service is. I have had nothing but excellent service at SDCCU. Every time I visit a branch I am greeted with a hello and a smile."
Be a Part of San Diego's
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