Can I get an auto loan with a lower credit score?

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 .

Can I make auto loan payments online?

Yes. You can make payments on your SDCCU auto loan using Internet Branch online banking at sdccu.com or via the SDCCU mobile banking app. Simply transfer funds from your SDCCU checking or savings account to your auto loan account. You can also schedule your payments to be automatically deducted on your due date by contacting us via Live Chat or calling (877) 732-2848. We’re here to help make your payments for your auto loan online as easy as possible.

How do I apply for an auto loan?

You can apply for a SDCCU auto loan online , by visiting any of our branch locations or by calling us at (877) 732-2848.

How much can I borrow with an auto loan?

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.

What credit score do I need to apply and qualify for an auto 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 .

What determines my auto loan rate?

When applying for an auto loan, your auto loan rate may vary based upon the collateral, amount financed, loan term and your credit history.

New & Used Auto Loans

Take advantage of all the benefits of a SDCCU Auto Loan

SDCCU is here to help with your car loan 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 & secure online application. We’ve also been voted as the 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.

BEST Auto Loan Provider

San Diego's BEST Union-Tribune Readers Poll

Low Fixed Rates

Low fixed interest rates

No Payments

No Payments for 90 Days¹

Auto Buying Service

Signature Auto Buying Service²

Apply for an auto loan today.

Listed below you will find the three auto loans available to those looking to purchase their next vehicle or motorcycle in Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara or Ventura counties. If you have already started an auto loan application, you can check your current loan status.

Auto Loans

San 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. When looking for auto loans in Southern California, SDCCU can provide you with flexible options.

Up to 100% financing
Terms up to 84 months³
Signature Auto Buying Service available

Apply Online View Rates

Motorcycle Loans

Explore the open road by financing your next motorcycle with a motorcycle loan from San Diego County Credit Union. With this SDCCU motorcycle loan, we can help you finance your passion, whether it's on a cruiser or a chopper.

Terms up to 84 months⁴
Up to 100% financing

Apply Online View Rates

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 $23.31 per $1,000 borrowed at 5.49% fixed APR on a new 2023-2024 vehicle.
²TrueCar is not affiliated with SDCCU.
³84 monthly payments of $15.29 per $1,000 borrowed at 7.29% fixed APR on New Autos 2023 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 2023 or newer street-legal motorcycles. A minimum $25,000 loan amount is required for terms greater than 78 months.

SEE OUR CURRENT RATES

More Auto Services

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!

Auto Buying Services

SDCCU is here to help you save time and money with two fantastic auto buying services.

Learn More About Auto Buying Services

Vehicle Payment Protection

We carefully choose providers that ensure you have the best possible choices for protecting your vehicle.

Learn More About Payment Protection

SDCCU Car Sales

Get the best auto loan rates on new and used vehicles.

Learn More About SDCCU Car Sales

Car Loan Calculators

Check out free online auto loan calculators to help you make smart financial decisions.

Learn More About Car Loan Calculators

FAQS

Frequently Asked Questions

Can I get an auto loan with a lower credit score?

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.
Can I make auto loan payments online?

Yes. You can make payments on your SDCCU auto loan using Internet Branch online banking at sdccu.com or via the SDCCU mobile banking app. Simply transfer funds from your SDCCU checking or savings account to your auto loan account. You can also schedule your payments to be automatically deducted on your due date by contacting us via Live Chat or calling (877) 732-2848. We’re here to help make your payments for your auto loan online as easy as possible.
How do I apply for an auto loan?

You can apply for a SDCCU auto loan online, by visiting any of our branch locations or by calling us at (877) 732-2848.
How much can I borrow with an auto loan?

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.
What credit score do I need to apply and qualify for an auto 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.
What determines my auto loan rate?

When applying for an auto loan, your auto loan rate may vary based upon the collateral, amount financed, loan term and your credit history.