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Vehicle Loan Rates & Terms

Effective March 4, 2024 and subject to change.
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SDCCU is here to help you finance your vehicle. We're here to get you in an automobile as soon as possible. Whether you’re looking to buy a new or used car, there’s a San Diego County Credit Union auto loan program to fit your needs.

SDCCU offers two auto loan rate charts for you to review below. One focuses primarily on automobiles while the other chart focuses on motorcycle loan rates. With so many different auto loan financing and vehicle loan rate options out there, it can sometimes get overwhelming for those new to this process. If you need additional information about the auto loan process, feel free to contact one of our branches to speak to an auto loan rate expert today!

View our available auto loan financing rates and terms below.

Auto Loan Rates

Annual Percentage Rates (As Low As*)
Model YearTerms Up To 48 MonthsTerms Up To 66 MonthsTerms Up To 78 Months¹Terms Up To 84 Months¹
New Auto  2024-20255.99%6.24%6.74%7.74%
Used Auto 2020-20256.24%6.49%6.99%8.04%
Used Auto 20196.24%6.49%6.99%-
Used Auto 2015-20186.24%6.49%-

New Auto is 2024-2025 model year, not previously registered or regularly used, and under 5,000 miles. Annual Percentage Rates (APRs) shown are for qualified borrowers and reflect loan amounts up to 120% of the retail value. Rate valid for 30 days from the submission date of the original application.

*Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. Certain other fees and restrictions may apply. 48 monthly payments of $23.54 per $1,000 borrowed at 5.99%, 66 monthly payments of $17.99 per $1,000 borrowed at 6.24%, 78 monthly payments of $15.92 per $1,000 borrowed at 6.74%, 84 monthly payments of $15.52 per $1,000 borrowed at 7.74%, fixed APR on New Autos 2024 or newer.

¹A minimum $15,000 loan amount is required for terms greater than 66 months or a minimum $25,000 loan amount is required for terms greater than 78 months.

Motorcycle Loan Rates

Annual Percentage Rates (As Low As*)
Model YearTerms Up To 48 MonthsTerms Up To 66 MonthsTerms Up To 78 Months¹Terms Up To 84 Months¹
New Motorcycle 2024-20256.89%7.39%8.39%9.89%
Used Motorcycle 2015-20258.89%9.39%--

New Motorcycle is 2024-2025 model year, not previously registered or regularly used, and under 5,000 miles. Annual Percentage Rates (APRs) shown are for street-legal motorcycles for qualified borrowers and reflect loan amounts up to 110% of the retail value. Rate valid for 30 days from the submission date of the original application. 
*Other rates are available and your APR may vary based upon the collateral loan-to-value, amount financed, term, credit history and other factors. The minimum monthly loan payment is $100. Certain other fees and restrictions may apply. 48 monthly payments of $23.97 per $1,000 borrowed at 6.89%, 66 monthly payments of $18.55 per $1,000 borrowed at 7.39%, 78 monthly payments of $16.74 per $1,000 borrowed at 8.39%, 84 monthly payments of $16.62 per $1,000 borrowed at 9.89%, fixed APR on New Motorcycles 2024 or newer.

¹A minimum $15,000 loan amount is required for terms greater than 66 months or a minimum $25,000 loan amount is required for terms greater than 78 months.

All loans are subject to approval. Auto loan financing available in CA, AZ and NV only. Motorcycle loan purchase financing available in CA only. Certain limitations apply.


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