SDCCU is here to help with your car loan financing process to get you in an automobile as soon as possible. Whether you’re looking to buy a new or used car or motorcycle, there’s a San Diego County Credit Union auto loan program to fit your needs.
When it comes to your auto loan, we offer an easy and secure online application. We’ve also been voted BEST Auto Loan Provider by The San Diego Union-Tribune Readers Poll. Upon approval, we even offer up to 90 days of no payments1 with your auto loan. Now is the time to take advantage of all the benefits and apply for a SDCCU auto loan or motorcycle loan.
San Diego's BEST Union-Tribune Readers Poll
Low fixed interest rates
No Payments for 90 Days1
San Diego County Credit Union offers some of the best auto loans and credit union motorcycle loans in 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 three auto loans available to those looking to purchase their next vehicle or motorcycle in Southern California. If you have already started an auto loan application, you can check your current loan status.
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.
190 days no payments is for qualified buyers and interest will accrue from date of contract. Payment example: 48 monthly payments of $23.38 per $1,000 borrowed at 5.64% fixed APR on a new 2024-2025 vehicle.
2TrueCar is not affiliated with SDCCU.
384 monthly payments of $15.52 per $1,000 borrowed at 7.74% fixed APR on New Autos 2024 or newer. A minimum $25,000 loan amount is required for terms greater than 78 months.
484 monthly payments of $16.62 per $1,000 borrowed at 9.89% fixed APR on 2024 or newer street-legal motorcycles. A minimum $25,000 loan amount is required for terms greater than 78 months.
Buying a new vehicle or motorcycle can often be an important purchasing decision. With so much information and options out there, it can sometimes be overwhelming for those who are unfamiliar with the vehicle buying process. This is why San Diego County Credit Union is here to assist you through the auto loan process. Discover more services below, created by our financial experts, or feel free to contact one of our branches to speak with an auto loan and motorcycle loan expert today!
SDCCU is here to help you save time and money with two fantastic auto buying services.
Learn More About Auto Buying ServicesWe carefully choose providers that ensure you have the best possible choices for protecting your vehicle.
Learn More About Payment ProtectionCheck out free online auto loan calculators to help you make smart financial decisions.
Learn More About Car Loan CalculatorsFAQS
Yes, San Diego County Credit Union membership is required to apply for our auto loans. We pride ourselves on offering flexible financing options to our members, including competitive rates and terms for auto loans. When you become a member, you gain immediate access to a variety of financial products and services designed to meet your needs.
There is no minimum membership duration before you can apply for an auto loan at SDCCU. When you visit the franchise dealership, inform them of your preference to finance with SDCCU. If approved, they can set you up for a membership and finalize your loan immediately.
A low credit score may not necessarily preclude you from obtaining a SDCCU auto loan. You may still be able to obtain a car loan, depending on your credit history and other factors that influence your borrowing ability. If you have a poor credit profile, you may want to consider taking the time to build your credit and strengthen your personal finances before pursuing a car loan. To learn more about building a strong credit history, credit management and understanding your credit report, visit sdccu.com/balance.
SDCCU offers a variety of convenient ways to make auto loan payments. You can learn more by visiting sdccu.com/payments.
SDCCU offers many convenient ways to make a loan payment. For a loan payment to another account, please use Bill Payer Plus®.
You can apply for a SDCCU auto loan online, by visiting any of our branch locations or by calling us at (877) 732-2848.
Apply for pre-qualification for an auto loan online today to see how much you may qualify for. It is also recommended that you check our auto loan payment calculators to determine how much you can afford for your car loan.
Your credit score is one of several factors that determine qualification for applying for an auto loan. Other factors that are considered for your car loan include debt to income ratio, how well you have managed prior credit and length of credit history. If you have a poor credit history, there may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
When applying for an auto loan, your auto loan rate may vary based upon the collateral, amount financed, loan term and your credit history.
SDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.
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Log into Internet Branch online banking to apply for this loan under your existing account. If you want a separate account, use the New to SDCCU options to the left.
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