Get a car loan, even with a low credit score
With flexible terms and non-traditional qualifications, a credit-challenged auto loan from CU SoCal provides a solution for those with less than perfect credit. Don't let a low credit score hold you back from the car you need.
Rates
View all ratesKey advantages
An affordable loan to improve your credit
We don't believe high car payments should be the price you pay for past credit challenges. We are committed to delivering the most affordable car loan possible to each Member. A credit-challenged auto loan not only gets you behind the wheel, it gives you a valuable opportunity to improve you credit score with timely payments.
Your job is more important than your credit score
There are factors beyond your credit score that we take into consideration for a credit-challenged auto loan. If you have a job, the vehicle you're purchasing is for commuting to your job, and you directly deposit your paycheck into your CU SoCal account, you may qualify!
Car loans for less than perfect credit
It's no secret that the car buying process can be difficult for those with a challenging credit history. We have an option that can put you back behind the wheel and on the road. Stop by a branch or apply online today.
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APY=Annual Percentage Yield.
All 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 15, 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 2023 to 2024 with up to *10,000 miles will be considered new. Vehicle models 2014 to 2023 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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