Credit union · NCUA insured
CU SoCal Auto Loan Rates
Top CarrotCU SoCal auto loans start at 4.64% APR for a new vehicle and 4.64% for a used one. Rates checked October 16, 2026.
How CU SoCal’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where CU SoCal has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CU SoCal
4.64%APR
- Terms
- up to 60 months
- Up to
- 13.64% APR
- Discount
- None included
New Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
CU SoCal auto loan score
88
Auto loan score
Higher than 84% of U.S. banks and credit unions
- New vehicleNew4.64%
- Used vehicleUsed4.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CU SoCal ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Credit-Challenged Auto Loan
Credit-challenged auto loan for those with less than perfect credit. Consideration for employment, commute purpose, and direct deposit into CU SoCal account. Financing up to 120% Kelley Blue Book retail value. APR varies based on creditworthiness, loan amount, and term.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.64%–13.89% | Best available rate includes 0.50% direct deposit discount and 0.25% Rewards+ discount. |
Sources (1)
- cusocal.org/loans/auto-loans/car-loans-for-bad-credit · captured Oct 16, 2026
Motorcycle Loan
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. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.24%–11.24% | Est. payment per $1,000: $15.21 - $17.25. Minimum payment $100. Up to 84 months. |
| up to 84 months | 7.49%–11.49% | Est. payment per $1,000: $15.33 - $17.38. Minimum payment $100. Up to 84 months. |
Sources (1)
- cusocal.org/loans/personal/rates · captured Oct 16, 2026
New Auto Loan
Financing up to 120% Kelley Blue Book retail value. Vehicles less than 2 years old with up to 10,000 miles classified as new. Best rates include 0.50% direct deposit discount and 0.25% Rewards+ discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.64%–13.64% | Est. Payment Per $1,000: $18.71 - $23.08. |
| up to 72 months | 4.89%–13.89% | Est. Payment Per $1,000: $16.05 - $20.55. |
| up to 84 months | 5.29%–11.29% | Est. Payment Per $1,000: $14.27 - $17.28. |
Sources (1)
- cusocal.org/loans/personal/rates · captured Oct 16, 2026
Pre-owned Auto Loan
Financing up to 120% Kelley Blue Book retail value. Vehicles less than 10 years old with up to 120,000 miles classified as preowned. Best rates include 0.50% direct deposit discount and 0.25% Rewards+ discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.64%–13.64% | Est. Payment Per $1,000: $18.71 - $23.08. |
| up to 72 months | 4.89%–13.89% | Est. Payment Per $1,000: $16.05 - $20.55. |
| up to 84 months | 5.29%–11.29% | Est. Payment Per $1,000: $14.27 - $17.28. |
Sources (1)
- cusocal.org/loans/personal/rates · captured Oct 16, 2026
Summer Auto Loan
Summer auto offer valid May 5 – September 30. Available for new, pre-owned, and refinanced vehicles (cannot be used for internal refinances). Rate reflects best rate for up to 36 months and includes 0.50% discount for monthly direct deposit of $750 to CU SoCal checking account and 0.25% discount for Rewards+ Loyalty Member. Minimum payment on vehicle loans is $100. Financing up to 120% retail Kelley Blue Book.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Offer valid May 5 – September 30. For up to 36 months. Best rate includes 0.50% direct deposit discount and 0.25% Rewards+ Loyalty discount. Cannot be used for internal refinances. Minimum payment $100. |
Sources (1)
- cusocal.org/summerauto · captured Sep 16, 2026
Vehicle Refinance
Refinance auto loan from another lender. CU SoCal will lower current rate (maximum discount up to 2% below current rate; cannot go below floor rate). Existing CU SoCal loans are ineligible. Minimum FICO 630; minimum amount financed $5,000. Up to 120% Kelley Blue Book retail value. Vehicle must be less than 10 years old with less than 120,000 miles. Extended terms up to 84 months. No application or funding fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.29%–13.89% | Requires minimum FICO 630, minimum amount financed $5,000. Maximum discount is up to 2% below Member's current auto loan rate, not below floor rate. Extended terms up to 84 months. Vehicle must be less than 10 years old and have less than 120,000 miles. Existing CU SoCal loans ineligible. No application or funding fee. |
Sources (1)
- cusocal.org/lower-your-rate · captured Oct 16, 2026
Who can join CU SoCal
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.