Auto Loans

Affordable rates and high-touch service.

It’s work just shopping for a vehicle. Make the financing process a little easier on yourself with a USC Credit Union auto loan. You can count on us for affordable auto loan rates and exceptional service. Take a look at our current rates, and let’s get rolling.

  • Competitive and affordable rates1
  • Save an extra 0.25% with our clean-energy vehicle loan2
  • Up to 120% financing3 (includes tax, license, and mechanical breakdown insurance)
  • Optional protection:
    • Added protection when your insurance won’t cover your auto loan balance
    • Coverage on repairs beyond the manufacturer’s warranty
    • Debt protection when the unexpected happens

 

Go green with USC Credit Union. Help us lead the way to a cleaner future by driving a vehicle that boosts fuel efficiency and cuts harmful emissions. You’ll save an extra 0.25%2 and help protect the planet.

Guaranteed Auto Protection (GAP). If your vehicle is stolen or totaled in an accident, your insurance will pay only the fair market value, often substantially less than what you still owe on the loan. GAP insurance protects you against costly out-of-pocket expenses by paying what your insurance won’t. 

Major Mechanical Protection. Protect your vehicle well beyond the manufacturer’s warranty. Major Mechanical Protection covers repair costs when your ride breaks down and provides a variety of additional benefits at no cost such as 24-hour Roadside Assistance, Rental Vehicle Assistance, Tire Protection, and more. 

Debt Protection. You can’t control everything in life – but you can help protect your finances with Debt Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.

Auto Loans + Touring Motorcycles over 1200cc*

Rates accurate as of 11/14/2024
All rates and terms subject to change without notice.

Term and rates for auto loans, and loans for touring motocycles over 1200cc¹
Term100% Financing APR as low as
36 Months5.49%
48 Months5.74%
60 Months5.99%
72 Months6.24%
84 Months6.74%

*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.

Calculate Your Loan Payment

Wondering how much you can afford? Run a scenario of what’s realistic for your budget and payment preferences.





Your estimated monthly loan payment:

$0 / month

Additional info to know about your new car:

Total paid over the life of the loan
$0
Total interest paid on the loan
$0
Compare auto loan options
Term Interest Monthly Payment Lifetime Loan Total Lifetime Interest Paid

*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.

Let’s put you in the driver’s seat.

Take control of the car shopping process with financing, buying services, and insurance from USC Credit Union.

Fast and easy way to fill out membership application as well as auto loan application. Lowest interest rate I found!

-Spencer

  • RV Loans

    Finance your fun on four wheels – or on the water! USC Credit Union offers competitive rates to purchase or refinance new or used RVs, motorcycles, e-bikes and boats.

  • Trojan Insurance

    Life happens, and accidents do too. Cover yourself with insurance for vehicles, homes, businesses, and more through USC Credit Union’s Trojan Insurance Services.

  • Savings Accounts

    The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

    Educational Resources

    • Home Loan Advice

      How much down payment is normally required to buy a home?

      For many people, buying a home is one of the most significant financial decisions they will make in their lifetime. One of the key considerations in this process is the down payment, which is the amount of cash that a buyer pays upfront toward the purchase price. While the amount of the down payment required can vary depending on several factors, it is an essential component of the home-buying process.

      Read Full Article

      How much down payment is normally required to buy a home?

    • 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?

      Read Full Article

      Why Do Credit Unions Have Better Rates?

    • Students

      Understanding Financial Aid Award Letters

      You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.

      Read Full Article

      Understanding Financial Aid Award Letters

    • Credit Unions

      What is the difference between a credit union and a bank?

      When it comes to managing your finances, you have several options available to you, including banks and credit unions. While both offer similar financial products and services, there are some key differences between the two that can affect your decision about which one to choose.

      Read Full Article

      What is the difference between a credit union and a bank?

    • Fraud Awareness

      5 Pinch-Proof Tips to Prevent Scams & Fraud

      Don't let scams and fraud catch you off guard this St. Patrick's Day. Protect your identity and money with these 5 pinch-proof tips!

      Read Full Article

      5 Pinch-Proof Tips to Prevent Scams & Fraud

    • Borrower Advice

      Free Auto Buying eBook

      This eBook will give you everything you need to know before buying a car. Learn how to be a savvy car shopper so you don’t get taken for a ride. We’ll arm you with knowledge of financing, interest rates, terms, and more. Be prepared, so you can drive off the lot with confidence.

      Read Full Article

      Free Auto Buying eBook

    • Home Loan Advice

      ‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?

      As a home buyer, knowing the difference between being pre-qualified and pre-approved is an important step in the mortgage process. Making your decision on which one to choose starts with understanding the definition of each of those terms.

      Read Full Article

      ‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?

    • Protecting What You Value

      Debt Protection

      If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death.

      Read Full Article

      Debt Protection

    • Student Loans

      Consolidation vs. Refinancing Student Loans

      Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation. 

      Read Full Article

      Consolidation vs. Refinancing Student Loans

    • News

      USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List

      On November 29, 2022, Forbes honored Altro Cofounder/CEO and USC Credit Union board member Michael Broughton with a selection to its prestigious “30 Under 30” list for 2023.

      Read Full Article

      USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List

       

      1Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2021 or newer vehicle models. Such rates are subject to change based on vehicle year. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Annual Percentage Rate (APR) is effective as of 11.14.2024, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 5.49% is $30.19. This payment example is for illustration purposes only. Your actual payment may vary. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.

      2The 0.25% discount for automatic payments and the 0.25% discount for clean energy vehicles can be combined, so long as the rate does not go below the 4.74% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.

      3Up to 120% financing available based on credit worthiness, model year, and underwriting factors. New: Manufacturer’s Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), both including tax, license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver’s license and current insurance information are required at time of financing.