San Diego County Credit Union
Auto loan rates start as low as 4.69% APR from SDCCU. Get up to 100% financing, no payments for 90 days, and various term options that make your purchase easy.
SDCCU (San Diego County Credit Union) auto loans are a compelling choice for borrowers in California, Arizona, and Nevada seeking competitive rates and flexible terms. The current offer for new and used auto loans starts at 4.69% APR for loans up to 48 and 66 months and up to 5.99% APR for 84-month terms. You can get up to 100% financing and even enjoy no payments for the first 90 days if you qualify, making SDCCU stand out for affordability and ease of access.
How to Apply for an SDCCU Auto Loan
- Open an account online by filling out a simple application and funding the minimum savings.
- Once you are a member, apply for an auto loan through online banking or at any SDCCU branch.
- You can also apply at the dealership or by visiting a branch directly if you prefer in-person service.
Pros of SDCCU Auto Loans
One major advantage is the highly competitive APR starting as low as 4.69%, which suits both new and used vehicles. The option for no payments for 90 days helps you settle into your new ride without immediate financial strain. Additionally, SDCCU offers up to 100% financing, a generous feature for buyers who don’t have a large down payment.
The credit union also supports members throughout Southern California, allowing for broad accessibility. Dedicated auto buying assistance is available for those who want extra help negotiating the best price on their vehicle.
Cons of SDCCU Auto Loans
One limitation is that the best rates are typically only available to those with strong credit profiles. In addition, loan terms over 66 months require higher minimum amounts borrowed, which may not suit every budget.
SDCCU’s auto loans are only available in CA, AZ, and NV, which excludes would-be applicants from other states. Motorcycle loans are restricted to California residents.
Our Verdict
SDCCU’s auto loan product excels with low starting rates, flexible repayment terms, and useful perks like no-payment periods. It’s a smart pick for qualified borrowers who want a straightforward financing process, comprehensive member support, and the power to finance their vehicle with confidence.
