At CU SoCal, we have loans for whatever moves you.

Whether your goal is to drive cross-country in an RV, cruise the I-5 on a motorcycle, or sail the harbor, we have the low-rate financing options to make the journey affordable.

Why drivers in Southern California choose us to make it happen:

No pre-payment penalties
No loan application fee
Quick pre-approvals and funding
Flexible terms

Vehicle loan options for the road ahead.

Motorcycle
  • Up to 90% financing
  • 84 month Maximum loan term for new and used motorcycle loans 
  • Fixed-rate financing

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Personal Watercraft
  • Up to 90% financing
  • 84 month Maximum loan term for new and used personal watercraft recreational vehicle loans 
  • Fixed-rate financing

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Motor Home/Trailer
  • Up to 90% financing
  • 180 month Maximum loan term for new and used motor home/trailer recreational vehicle loans 
  • Fixed-rate financing
  • Loans include tax, license, and document fees

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Boat
  • Up to 90% financing
  • 180 month Maximum loan term for new and used boat recreational vehicle loans 
  • Fixed-rate financing

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Quad/Side by Side
  • Up to 90% financing
  • 84 month Maximum loan term for new quad/side by side recreational vehicle loans 
  • Fixed-rate financing

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Loan Rates

90% Financing

Type Term APR Est. Payment Per $100
New Motorcycle (2023 – 2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76
Pre-owned Motorcycle (2014 – 2023) Up to 84 months 8.24% - 12.24% $1.57 - $1.78

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Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. 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. 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. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

90% Financing

Type Term APR Est. Payment Per $100
New Personal Watercraft (2023 – 2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76

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Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. 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. 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. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

90% Financing

Type Term APR Est. Payment Per $100
New (2023 – 2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76
New (2023 – 2024) Up to 180 months 8.99% - 12.99% $1.01 - $1.26
Pre-owned (2014 – 2023) Up to 84 months 8.24% - 12.24% $1.57 - $1.78
Pre-owned (2014 – 2023) Up to 180 months 9.24% - 13.24% $1.03 - $1.28

Apply Now

Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. 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. 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. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

90% Financing

Type Term APR Est. Payment Per $100
New Boat (2023-2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76
New Boat (2023-2024) Up to 180 months 8.99% - 12.99% $1.01 - $1.26
Pre-owned (2014-2023) Up to 84 months 8.24% - 12.24% $1.57 - $1.78
Pre-owned (2014 – 2023) Up to 180 months 9.24% - 13.24% $1.03 - $1.28

Apply Now

Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. Previously owned boats are not eligible. 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. 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. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

90% Financing

Type Term APR Est. Payment Per $100
New Quads/ Side by Side (2023-2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76

Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. 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. 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. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

Optional Loan Protection

Loan Payment Protection

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 Loan Payment Protection may help safeguard you and your family in case you are injured or lose your job. Loan Payment Protection can be added to new or used vehicle loans when you purchase your car, or call us at 562.365.1851 to add it to an existing loan.
Guaranteed Asset Protection (GAP)

 GAP is designed to protect you against financial loss in the event your car is stolen or declared a total loss in an accident. GAP can be added to new or used vehicle loans when you purchase your car, or call us at 562.365.1851 to add it to an existing loan.
Mechanical Repair Coverage (MRC)

 MRC is a high-quality, comprehensive coverage plan that safeguards you from expensive auto repairs. MRC can be added to new or used vehicle loans when you purchase your car, or call us at 562.365.1851 to add it to an existing loan.
HealthCAR Warranty

 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. To learn more and sign up for healthCAR, click here.

Debt Protection for RVs, Boats, and Motorcycles

Life, Disability, or Involuntary Unemployment Claim? We are here to help!


In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you
can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form at https://myclaimportal.cunamutual.com/link/contract?ContractNumber=10409604.

If you prefer, call 1.800.621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide
you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union

Running tight on funds? Consider Skip-A-Pay for relief:

CU SoCal allows Members to skip a payment for any loan excluding Real Estate CU SoCal loans and Visa® Credit Cards for a $25 fee as long as the following requirements are met:
  • At least 12 payments have been made on the loan.
  • A payment on the selected loan is not presently more than 10 days past due.
  • A payment on the selected loan has not been more than 30 days past due in the last 12 months.
  • Only one skip allowed per 12 months.
  • There should not be more than four skips over the life of the loan selected.
  • The payment frequency must be monthly.
  • The Member must have $25.00 fee available in eligible share.
  • Other requirements may apply.

    To skip a loan payment, simply complete our Skip-A-Loan Payment form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 76000 Anaheim, CA 92809, or fax it to us at 714.990.5492.
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Keep your car. Lower your payment.

Bring your auto loan from another lender to CU SoCal and we'll lower your rate by at least 2%.

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Make it happen.

If you live, work, worship or attend school in Los Angeles County, Orange County, Riverside County, or San Bernardino County, we can make your plans a reality.

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Building Better Lives™

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.

 

562.698.8326 | 866 CU SoCal Se Habla Español

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