Credit union · NCUA insured
SESLOC Credit Union Auto Loan Rates
SESLOC Credit Union auto loans start at 5.24% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How SESLOC Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Luis Obispo, CA, where SESLOC Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SESLOC Credit Union
5.24%APR
- Terms
- up to 63 months
- Up to
- 13.99% APR
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
CoastHills Credit Union
4.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Educational Employees Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
SESLOC Credit Union auto loan score
69
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SESLOC Credit Union 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.
Refinance Your Auto Loan
No application or processing fee to refinance an auto loan. All loans subject to credit approval and other underwriting criteria. Lowest rates displayed are for an auto loan to an existing SESLOC member and assumes participation in HomeFREE Discount Program with automatic recurring loan payments from a HomeFREE Checking account (0.25% rate reduction; APR higher without). Rate and APR are greater for a non-member applying through an auto dealership. 2.00% higher APR for vehicle models 7 years old or older and/or mileage 100,000+. Up to 0.38% discount with Level Up Member Benefits. Terms up to 84 months. Financing up to 120% of MSRP or Retail Kelly Blue Book, plus tax and license.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.24% | For a new vehicle up to a 63-month loan term. Lowest rates displayed are for an auto loan to an existing SESLOC member and assumes participation in the HomeFREE Discount Program with automatic recurring loan payments from a HomeFREE Checking account. |
Sources (1)
- sesloc.org/personal/vehicle-loans/refinance-auto-loan · captured Oct 6, 2026
Vehicle Loans
Requires SESLOC membership and credit approval. APR assumes participation in HomeFREE Discount Program with automatic recurring loan payments from a HomeFREE Checking account (APR higher without). 2.00% higher APR for vehicle models 7 years old or older and/or for vehicles with mileage of 100,000 or more. Financing available up to 120% of MSRP or Retail Kelly Blue Book, plus tax and license. Terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.24%–13.99% | New vehicles (cars, trucks, SUVs, motorcycles). Lowest rate assumes HomeFREE Discount Program participation. |
| 64–75 months | 5.59%–15.44% | New vehicles (cars, trucks, SUVs, motorcycles). Lowest rate assumes HomeFREE Discount Program participation. |
| 76–84 months | 6.29%–9.99% | New vehicles (cars, trucks, SUVs, motorcycles). Lowest rate assumes HomeFREE Discount Program participation. |
| up to 63 months | 5.99%–14.44% | Used vehicles. Lowest rate assumes HomeFREE Discount Program participation. |
| 64–75 months | 6.49%–16.25% | Used vehicles. Lowest rate assumes HomeFREE Discount Program participation. |
| 76–84 months | 6.99%–9.99% | Used vehicles. Lowest rate assumes HomeFREE Discount Program participation. |
Sources (2)
All captured Oct 6, 2026
Who can join SESLOC Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.