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Préstamos para Autos
Tasas de interés asequibles y servicio personalizado.
Comprar un vehículo es todo un trabajo. Haz el proceso de financiación un poco más fácil para ti con un préstamo de auto de USC Credit Union. Puedes contar con nosotros para obtener tasas de préstamos para automóviles asequibles y un servicio excepcional. Echa un vistazo a nuestras tasas actuales y empecemos.
- Tasas competitivas y asequibles1
- Ahorra un 0.25% adicional con nuestro préstamo para vehículos de energía limpia2
- Financiación de hasta el 120%3 (incluye impuestos, licencia y seguro de descompostura mecánica)
- Protección opcional:
- Protección añadida cuando tu seguro no cubra el saldo de tu préstamo para automóvil
- Cobertura en reparaciones más allá de la garantía del fabricante
- Protección de deuda cuando sucede lo inesperado
Cuida el medio ambiente con USC Credit Union. Ayúdanos a liderar el camino hacia un futuro más limpio mediante la conducción de un vehículo que aumenta la eficiencia del combustible y reduce las emisiones nocivas. Ahorrarás un 0.25%2 adicional y ayudarás a proteger el planeta.
Protección garantizada del automóvil (Guaranteed Auto Protection, GAP). En caso de robo o siniestro total de tu vehículo en un accidente, tu seguro pagará sólo el valor justo de mercado, a menudo bastante menos de lo que aún se debe del préstamo. El seguro GAP te protege de los costosos desembolsos al pagar lo que tu seguro no paga.
Protección mecánica mayor. Protege tu vehículo más allá de la garantía del fabricante. La Protección Mecánica Mayor cubre los costes de reparación cuando tu vehículo se descompone y proporciona una variedad de beneficios adicionales sin coste alguno, como asistencia en carretera 24 horas, asistencia de vehículo de alquiler, protección de neumáticos y mucho más.
Protección de deudas. Si sucede lo inesperado, no querrás que se agraven tus preocupaciones financieras. Con la Protección de deuda, puedes cancelar el saldo o los pagos de tu préstamo en caso de desempleo involuntario, incapacidad o fallecimiento. La cobertura es personalizable y voluntaria, y es fácil de solicitar.
Auto Loans + Touring Motorcycles over 1200cc*
Tasas precisas a partir de 4/11/2025
Todas las tasas y términos están sujetos a cambios sin previo aviso.
| Term | 100% Financing APR as low as |
|---|---|
| 36 Months | 5.49% |
| 48 Months | 5.74% |
| 60 Months | 5.99% |
| 72 Months | 6.24% |
| 84 Months | 6.74% |
*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2021 or newer vehicle models. Rates are subject to change based on vehicle year.
Calcula el Pago de Tu Préstamo de Auto
¿Te preguntas cuánto puedes pagar? Ejecute un escenario de lo que es realista para tu presupuesto y preferencias de pago.
Your estimated monthly loan payment:
$363 / month
Additional info to know about your new car:
- Total paid over the life of the loan
- $13,043
- Total interest paid on the loan
- $1,043
*Las tasas tan bajas como de Préstamos para automóviles incluyen el 0.25% de descuento para pagos automáticos de préstamos y se aplican a 2021 o modelos de vehículos más nuevos.
Ponte en el asiento del conductor.
Toma el control del proceso de compra del auto con la financiación, servicios de compra, y el seguro de USC Credit Union.
Una forma rápida y fácil de completar la solicitud de membresía, así como la solicitud de préstamo para autos. ¡La tasa de interés más baja que encontré!
Educational Resources
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Tell me more about credit scores and credit reports.
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Student loans may have helped you get the education needed for your future career, but making student loan payments can also be a pain point in your monthly expenses. Refinancing one or more of your loans could save you money and simplify your repayment. Before you determine where you should refinance your student loans, you should consider if it’s a smart decision for you.
Why Should You Refinance Student Loans with a Credit Union?
Credit Unions Credit Unions
Why Do Credit Unions Have Better Rates?
There’s a reason more than 130 million people belong to a credit union. Individuals choose credit unions over traditional banks for higher dividend rates, minimal account fees, and lower interest rates on loan products. But how can a small army of 5,000+ federally insured credit unions offer these benefits and a host of other financial benefits to everyday consumers?
Why Do Credit Unions Have Better Rates?
Home Buying Home Buying
Free Home Buyers Guide
USC Credit Union is here to help you feel more confident in today’s real estate market. We’ve helped thousands of our member-owners reach their homeownership goals and we will do the same for you. Download our Free Home Buyer’s Guide and learn about the entire home-buying process.
Free Home Buyers Guide
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Home Equity Line of Credit (HELOC) vs. Home Equity Loan
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Home Equity Line of Credit (HELOC) vs. Home Equity Loan
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Protect Yourself from Fraud & Scams
Fraud and scams are becoming increasingly common, with criminals using sophisticated methods to trick individuals into giving away their personal information or money. By staying informed and proactive, you can minimize your risk of falling victim to scams and protect your identity and money.
Protect Yourself from Fraud & Scams
Credit Credit
Tell me more about credit scores and credit reports.
Your credit report is a comprehensive summary of your credit history and is used by lenders, landlords, and other financial institutions to determine your creditworthiness. It’s a crucial document that has a significant impact on your financial life, and it’s important to understand what it contains and how it’s used.
Tell me more about credit scores and credit reports.
Digital Services Digital Services
Introducing Your Mobile Wallet
A mobile wallet is a way to carry a digital version of your credit cards or debit cards on your mobile device. Instead of fumbling through your wallet (or purse) to find your card, you can pay with your smartphone, tablet, or smartwatch.
Introducing Your Mobile Wallet
Digital Services Digital Services
Does USC Credit Union have paperless options?
USC Credit Union is doing our part to help you help the environment, where we make going green simple. It’s easy to enroll for eStatements, use Online Bill Pay, and sign-up for Direct Deposit.
Does USC Credit Union have paperless options?
Credit Credit
What can I do to improve my credit score?
Credit can seem complicated. Many people think those 3 magic numbers are a mystery, but controlling your credit score is easier than you think! Here are some tips for establishing credit or building your credit score back to health.
What can I do to improve my credit score?
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You may have the car of your dreams already, but your current loan situation may be less than ideal. Refinancing your auto loan is a great way to lessen financial stress and make the remainder of your loan payoff process easy, all while saving money! Here are some things to keep in mind before making the switch.
3 Questions to Ask Yourself Before Refinancing Your Auto Loan
Student Loans Student Loans
Why Should You Refinance Student Loans with a Credit Union?
Student loans may have helped you get the education needed for your future career, but making student loan payments can also be a pain point in your monthly expenses. Refinancing one or more of your loans could save you money and simplify your repayment. Before you determine where you should refinance your student loans, you should consider if it’s a smart decision for you.
Why Should You Refinance Student Loans with a Credit Union?
Credit Unions Credit Unions
Why Do Credit Unions Have Better Rates?
There’s a reason more than 130 million people belong to a credit union. Individuals choose credit unions over traditional banks for higher dividend rates, minimal account fees, and lower interest rates on loan products. But how can a small army of 5,000+ federally insured credit unions offer these benefits and a host of other financial benefits to everyday consumers?
Why Do Credit Unions Have Better Rates?
Home Buying Home Buying
Free Home Buyers Guide
USC Credit Union is here to help you feel more confident in today’s real estate market. We’ve helped thousands of our member-owners reach their homeownership goals and we will do the same for you. Download our Free Home Buyer’s Guide and learn about the entire home-buying process.
Free Home Buyers Guide
Home Loan Advice Home Loan Advice
Home Equity Line of Credit (HELOC) vs. Home Equity Loan
A HELOC and a home equity loan are two popular options for homeowners looking to tap into the equity they’ve built in their property. Dive deeper into the features, benefits, and drawbacks of each option to help you make the right choice.
Home Equity Line of Credit (HELOC) vs. Home Equity Loan
Identity Theft Identity Theft
Protect Yourself from Fraud & Scams
Fraud and scams are becoming increasingly common, with criminals using sophisticated methods to trick individuals into giving away their personal information or money. By staying informed and proactive, you can minimize your risk of falling victim to scams and protect your identity and money.
Protect Yourself from Fraud & Scams
Credit Credit
Tell me more about credit scores and credit reports.
Your credit report is a comprehensive summary of your credit history and is used by lenders, landlords, and other financial institutions to determine your creditworthiness. It’s a crucial document that has a significant impact on your financial life, and it’s important to understand what it contains and how it’s used.
Tell me more about credit scores and credit reports.
Digital Services Digital Services
Introducing Your Mobile Wallet
A mobile wallet is a way to carry a digital version of your credit cards or debit cards on your mobile device. Instead of fumbling through your wallet (or purse) to find your card, you can pay with your smartphone, tablet, or smartwatch.
Introducing Your Mobile Wallet
Digital Services Digital Services
Does USC Credit Union have paperless options?
USC Credit Union is doing our part to help you help the environment, where we make going green simple. It’s easy to enroll for eStatements, use Online Bill Pay, and sign-up for Direct Deposit.
Does USC Credit Union have paperless options?
Credit Credit
What can I do to improve my credit score?
Credit can seem complicated. Many people think those 3 magic numbers are a mystery, but controlling your credit score is easier than you think! Here are some tips for establishing credit or building your credit score back to health.
What can I do to improve my credit score?
Borrower Advice Borrower Advice
3 Questions to Ask Yourself Before Refinancing Your Auto Loan
You may have the car of your dreams already, but your current loan situation may be less than ideal. Refinancing your auto loan is a great way to lessen financial stress and make the remainder of your loan payoff process easy, all while saving money! Here are some things to keep in mind before making the switch.
3 Questions to Ask Yourself Before Refinancing Your Auto Loan
1Las tasas tan bajas como de Préstamos para automóviles incluyen el 0.25 % de descuento para pagos automáticos de préstamos y se aplican a 2021 o modelos de vehículos más nuevos. Dichas tarifas están sujetas a cambios según el año del vehículo. Es posible que se apliquen otros requisitos de Préstamo a valor. Para calificar para el descuento de la tasa de pago automático, los pagos del préstamo deben realizarse automáticamente desde una cuenta de cheques que califique. La tasa de porcentaje anual (APR) es efectiva a partir del 4.11.2025, se basa en la solvencia y los factores de suscripción, y es nuestra mejor tasa. Es posible que se requiera prueba de ingresos en el momento de la financiación del préstamo. El pago mensual por $1000 durante 36 meses en 5.49% es $30.19. Este ejemplo de pago es solo para fines ilustrativos. Su pago real puede variar. Los montos mínimos del préstamo incluyen $8,000 para un préstamo a 60 meses, $15,000 para un préstamo a 72 meses y $25,000 para un préstamo a 84 meses. Se pueden aplicar requisitos de elegibilidad de membresía y tarifas de membresía; llame al (877-670-5860) o visite www.USCCreditUnion.org para confirmar la elegibilidad. Todos los programas de préstamos, tasas, términos y condiciones de las cooperativas de ahorro y crédito están sujetos a cambios sin previo aviso. Las tasas no se aplican a los Préstamos para automóviles existentes de USC Credit Union.
2El 0.25 % de descuento por pagos automáticos y el 0.25 % de descuento por vehículos de energía limpia se pueden combinar, siempre que la tarifa no sea inferior a la tarifa mínima de 4.74%. Para calificar para el descuento en la tarifa de energía limpia, los vehículos deben tener una clasificación de economía de combustible de la EPA de al menos 35 MPG (ciudad/carretera combinados). Visite el sitio web del Departamento de Energía y Economía de Combustible para ver los requisitos específicos del estado.
3Hasta un 120 % de financiación disponible según la solvencia crediticia, el año del modelo y los factores de suscripción. Nuevo: Precio minorista sugerido por el fabricante (MSRP) y Usado: Kelley Blue Book minorista (RKBB), ambos incluyen impuestos, tarifas de licencia y productos opcionales como la Protección garantizada de activos (GAP) o la Cobertura de reparación mecánica (MRC) y están sujetos a aprobación. Se requiere una licencia de conducir válida e información actualizada del seguro al momento de la financiación.