1. You provide the details of the vehicle you want.
   • Year
   • Make
   • Model
   • Options

2. We’ll find the new or pre-owned vehicle you want and negotiate the best price for you including all available manufacturer incentives.

3. An SDCCU Auto Buying Specialist will coordinate financing and the trade-in of your current vehicle for you.

4. Pick up your new vehicle at the local SDCCU branch of your choice. It’s that easy to get into your next vehicle. Call an SDCCU Auto Buying Specialist at (877) 732-2848, ext. 6500, fill out an Auto Buying Request or visit any of our convenient branch locations today.

Terms & Conditions
Maximum financing with best rate is available for qualified borrowers with good credit. The rate and term you qualify for may be less favorable based on your credit score and history, vehicle and financing type, income and other information. Verification of income is required. $15,000 minimum loan amount for terms 61 to 72 months. $30,000 minimum loan amount for terms 73 to 84 months (up to 90% Loan-To-Value (LTV)). Add 2.00% to prevailing rate for loans exceeding 120% LTV. Not to exceed maximum financing of 130% LTV. LTV = New: Manufacturer Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB). Maximum financing for Trucks, Vans – V8 or higher SUVs is 100% of MSRP or RKBB. No Salvaged Titles, Branded Titles, Lemon Law Buybacks, Commercial Vehicles, Grey Market Values or True Mileage Unknown will be financed. Rates, terms and conditions subject to change.
¹The variable Annual Percentage Rate (APR) is determined by the 26 week T-bill and may change quarterly. The term will be extended if the rate increases. The rate will not be increased more than 5% over the life of the loan and will not go below 3.50%. Assumes all payments must be made on time as scheduled.