Auto Loans and Refinancing
The road to financial well-being is easier when you finance your auto loan with USC Credit Union. Choose from a variety of flexible auto loans with low rates and no application fees. With USCCU, you’re in the driver’s seat.
About USC Credit Union
USC Credit Union proudly serves our campuses and surrounding communities, adapting to their growing and evolving needs. As a credit union, we operate on a not-for-profit model, meaning profits go back to our members in the form of lower rates on loans and fewer and lower fees than banks.
When you become a member of USC Credit Union, you benefit from the many perks of our community-focused approach to banking. From creating access through competitive rates, to financial education resources, we are dedicated to delivering responsible, affordable deposit and lending products to help you achieve financial well-being.
Affordable Vehicle Loans
Autos provide transportation independence and freedom of mobility, which is why USC Credit Union’s vehicle loan offerings are designed to keep you moving forward. Here you’ll find auto loans for used and new cars as well as options for vehicle refinancing.
Since USCCU operates on a not-for-profit model, profits go back to you. That means our auto loans have no application fees and our rates are the same for used and new cars. Apply now for an auto loan by submitting an application online.
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Decide if an Auto Loan is Right for You
Loans can be intimidating, and as a credit union we feel a personal duty to inform our members about their best auto loan options. We’ve seen our community grow and change for almost 50 years, adapting every step of the way and helping members like you understand the loan process. Every situation is different, so talk to us to see which path works best for you.
Prepare for Success
Ask yourself how much you need for the loan and set realistic expectations for monthly payments. To make the process easier and faster, be sure to gather your required documentation, such as recent paystubs.
USC Credit Union is Here to Help You
Ready to apply? Start your loan application 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.
If you just need a ride to get from Point A to Point B or are eyeing your dream car you’ll find the same convenience, security, and flexibility you’ve come to expect from USCCU’s loans.
Clean Energy Auto Loans
Incentives to reducing your carbon footprint are more rewarding than ever thanks to the Inflation Reduction Act of 2022. Save on fuel costs and take advantage of tax credits by financing your electric vehicle with USC Credit Union’s affordable auto loans.
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