Get your dream car with a great rate
Let CU SoCal help you find, fund, and deliver your next set of wheels! With low interest rates and flexible terms, you can purchase or refinance a new or used vehicle that fits your lifestyle, busy schedule, and budget.
Rates
View All RatesThe payment amount displayed by this calculator is an estimate only and not an actual loan payment.
Key advantages
Avoid risk with GAP
Our discounted Guaranteed Asset Protection (GAP) insurance is designed to protect you against financial loss in the event your car is stolen or declared a total loss in an accident.
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Extended warranty coverage
Our comprehensive, low-cost Mechanical Repair Coverage (MRC) protects you from expensive repairs. Our MRC is more affordable than what dealers offer!
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Qualify for Rewards+
Having an auto loan brings you one step closer to qualifying for Rewards+, our Member loyalty program. Receive exclusive financial benefits, including fee waivers, an auto loan discount, and a rewards point bonus!
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Concierge auto-finding service
You don’t have to go it alone. We’ll help you find the perfect vehicle to suit your needs, lifestyle, and budget, saving you time.
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TruStage™ Auto Insurance
Insurance is an important part of a solid financial plan, and the right insurance gives you peace of mind. Backed by more than 80 years of working with credit unions and their members, TruStage™ is here to help protect what matters most.
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HealthCar Vehicle Protection
Get low cost, month-to-month warranty coverage and avoid costly repairs. There is no limit on your vehicle’s mileage and healthCAR is accepted by more than 91,000 licensed automotive repair shops.
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Putting more money down on your purchase reduces how much you owe and decreases the risk associated with your loan. As a result, making a sizeable down payment on the purchase could result in a lower interest rate.
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Most car buyers will experience a temporary reduction in their credit score after taking out an auto loan. Buying a new or used car with a loan can raise your credit score over the life of the loan, as long as you make on-time monthly loan payments.
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Shopping for auto loan rates within a 14-day period will ensure that multiple inquiries are counted as only one inquiry or excluded entirely by some scoring systems, according to the credit bureau Experian. However, this can still cause a small reduction in credit score. Accepting a loan offer may cause another small score dip. A credit score will rise as on-time monthly loan payments are made.
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Paying off your car loan early may hurt your credit score, but the effects are usually only temporary. Some lenders charge a loan prepayment penalty, so ask your lender if there are prepayment fees, before you pay off your car loan early. CU SoCal does not charge a prepayment penalty on any loan.
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There are cost differences associated with leasing vs. buying a car, and these will be influenced by the term of a loan or a lease, how much money you put down, the interest rate you qualify for, and the value of the car. Buying a car gives you the freedom to drive unlimited miles and eventually own the car. Leasing is a great option for people who prefer to drive a new car every few years and don’t mind a mileage limitation.
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Paying off a car loan early can save you money in interest you’d otherwise be paying. The sooner you pay off your car loan, the more money you’ll have each month. Not skipping any payments and making one large extra payment every year can help you pay off your loan early. Before you pay off your loan, ask your lender if they charge a pre-payment penalty.
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Buying a new car feels great and you’ll have the peace of mind of driving a reliable vehicle. The benefits of buying a new car include the latest safety and fuel efficiency technologies. However, all these technological goodies come at cost. That’s why many individuals purchase certified pre-owned cars instead, as they can be less expensive.
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Refinancing a car loan can save your money if you can get a lower interest rate. The first step of auto refinancing is to talk to different lenders about rates and loan terms. CU SoCal saves Members money every day through vehicle loan refinancing, and will drop your rate from another lender by at least 2%. If approved for a loan refinance, the remaining amount you owe on your first loan will be paid off and you will start making payments on the new loan. A small drop in credit score is likely, but most scores increase as on-time monthly loan repayments are made.
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With a thorough plan in place, saving up for a car isn’t as complicated as you might think. Some actions you can take include creating a budget and a savings and purchase timeline, deciding on the type and make of car, and calculating an approximate monthly payment are all good ways to start saving.
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Refinancing a car loan provides several advantages, including a lower interest rate, a lower monthly payment, and more. However, be aware that some financial institutions will charge prepayment or other fees for refinancing your car loan. And, if your new loan has a longer term, you may end up paying more for your car than if you just stuck with the original lender. CU SoCal will lower your vehicle loan rate from another lender by at least 2%. Learn more.
Buying a new or used vehicle doesn't have to break the bank
Feel the wind in your face and keep your budget under control by buying a new or used vehicle with a low-interest auto loan.
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- APR- The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. Ask a CU SoCal representative for details. Vehicle models 2024 to 2025 with up to *10,000 miles will be considered new. Vehicle models 2015 to 2024 with up to 120,000 miles will be considered Pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. ate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. 2. Amount financed may not exceed 120% retail Kelley Blue Book including tax, license, warranty, etc. Older used vehicles may be eligible up to wholesale Kelley Blue Book value with a one percent rate adjustment. 3. With 90-day payment deferment, interest will continue to accrue as of funding date.
Auto Loan Rates
| Loan | Term | Min APR | Max APR | Est. Payment Per $100 |
|---|---|---|---|---|
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 48 months |
Min APR:
5.74% |
Max APR:
14.74% |
Est. Payment Per $100:
$2.34 - $2.77 |
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 60 - 72 months |
Min APR:
5.99% |
Max APR:
14.99% |
Est. Payment Per $100:
$1.66 - $2.11 |
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 84 months |
Min APR:
6.49% |
Max APR:
12.49% |
Est. Payment Per $100:
$1.48 - $1.79 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 48 months |
Min APR:
5.99% |
Max APR:
14.99% |
Est. Payment Per $100:
$2.35 - $2.78 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 60 - 72 months |
Min APR:
6.24% |
Max APR:
15.24% |
Est. Payment Per $100:
$1.67 - $2.13 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 84 months |
Min APR:
6.74% |
Max APR:
12.74% |
Est. Payment Per $100:
$1.50 - $1.81 |
Rates Effective as of: January 22, 2025
1. With 90-day payment deferment, interest will continue to accrue as of funding date. APR- The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. Ask a CU SoCal representative for details. Vehicle models 2024 to 2025 with up to *10,000 miles will be considered new. Vehicle models 2015 to 2024 with up to 120,000 miles will be considered Pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Member’s may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.
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