Auto Loans and Refinancing
USC Credit Union offers bank-beating auto loans to keep you moving with options for new, used, and refinanced vehicles.
Check your rate with no impact to your credit score.1 Fast application and approval. 60-day rate lock.
About USC Credit Union
USC Credit Union proudly serves Los Angeles and Orange counties, providing banking solutions that put our members first. As a not-for-profit, we give back through lower loan rates and fewer fees.
Membership means access to competitive rates, free financial education, and affordable banking solutions - empowering you to achieve financial well-being.
Affordable Vehicle Loans
USC Credit Union’s auto loans are designed to keep you on the road with flexible options for new, used, and refinanced vehicles. Plus, we offer generous discounts2 for auto pay and clean energy vehicles!
Unlike the big banks, we offer no application fees and the same competitive rates for all cars. Apply online today!
¿Prefieres español? Estamos a tu disposición. Disfruta de nuestros recursos en español en el siguiente enlace.
Decide if an Auto Loan is Right for You
Loans can feel overwhelming, but we’re here to help! For nearly 50 years, we’ve guided our community through the auto loan process, ensuring you find the best fit.
Not Ready to Apply? Check Your Rate.
Whether you've found the one or are still searching, getting pre-approved before you shop can give you a head start! Our pre-approvals are locked in for 60 days, so you can explore with confidence. Check your rate with no impact to your credit score.1
USC Credit Union is Here to Help
Ready to get started? Check your rate1 and apply here. If you want more information and would like to speak to one of our knowledgeable member specialists, schedule an appointment here.
Vehicle Loans
Get funds for a new or used vehicle.
USC Credit Union offers vehicle loans to help fund the purchase of both used cars and new cars. We’ve priced our used car loan rates as low as our new car rates, so you have the flexibility to choose between either regardless of budget.
Clean Energy Auto Loans
Looking for a fuel-efficient ride? Get a 0.25% discount2 on your auto loan when you finance a clean energy vehicle with an EPA Fuel Economy rating of at least 35 MPG (combined city/highway).
Vehicle Refinancing
Reduce your interest and/or monthly payment for your auto loan.
Reduce your interest or monthly payment (or even both!) by refinancing your loan from another lender with an auto refinance loan from USC Credit Union. Because our members are owners, we’re able to pass along our profits to you through better rates. For your convenience, we never charge an application fee for our car loans.
What You Need to Apply
An Account with USCCU
Your Financial Information
If you’re not a current member, you can still apply for a loan. Once you are approved for your loan, we’ll start your membership process for you. You must become a member of USCCU to receive your funds. Check to see if you’re eligible for membership.
We will need information about your current income to gauge your eligibility and ability to afford the monthly loan payments.
Call (877) 670-5860 or make an appointment
It was comforting to know I had the support of my USC family during one of my worst times. When my father passed away unexpectedly and I needed to finance a trip to El Salvador, USC Credit Union expedited my loan request and handled my situation with compassion.
Noel
As an extension of the Trojan family, the USC Credit Union represents a commitment to support that is lifelong and worldwide. They always provide great service and competitive rates. When I purchased my first home, they were very knowledgeable and made the entire process easy.
Juana
I rely on the USC Credit Union for all of my financial needs. I received outstanding care and assistance when I refinanced my home loan and purchased my car. I always know I can depend on their competitive rates and service that is sincere and personable.
Tom
We put your financial success in your hands.
Helping our members and neighboring communities enjoy financial wellness and economic equity is at the forefront of USC Credit Union’s mission. With low rates and no application fees, USCCU’s auto loan offerings make it easy for you to shift gears and achieve financial well-being.
Call (877) 670-5860
1You are providing “written instructions” to WithClutch, Inc. and USC Credit Union under the Fair Credit Reporting Act authorizing WithClutch, Inc. and USC Credit Union to obtain information from your personal credit report and from the Credit Bureau solely to conduct a pre-qualification for credit. This will not impact your credit score.
2The 0.25% discount for automatic payments and the 0.25% discount for clean energy vehicles can be combined, so long as the rate does not go below the 4.44% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.