Credit union · NCUA insured
SLO Credit Union Auto Loan Rates
SLO Credit Union auto loans start at 5.39% APR for a new vehicle and 5.89% for a used one. Rates checked October 16, 2026.
How SLO Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Luis Obispo, CA, where SLO Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SLO Credit Union
5.39%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loan
Lowest rate
CoastHills Credit Union
4.75%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Educational Employees Credit Union
4.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
SLO Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.89%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SLO 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.
New Auto Loan
No credit check fee. No early payoff or prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.89% | Rates as low as stated APR. |
| up to 60 months | 5.39% | Rates as low as stated APR. |
| up to 72 months | 5.89% | Rates as low as stated APR. |
Used Auto Loan
No credit check fee. No early payoff or prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.39% | Rates as low as stated APR. |
| up to 60 months | 5.89% | Rates as low as stated APR. |
| up to 72 months | 6.39% | Rates as low as stated APR. |
Who can join SLO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in San Luis Obispo County are eligible for membership.
- Individuals who regularly work in San Luis Obispo County are eligible for membership.
Military, government and schools
- Individuals who attend school in San Luis Obispo County are eligible for membership.
Family and household
- Immediate family members of existing members (spouses, children, parents, grandparents, and grandchildren, including step or adoptive relationships) are eligible for membership.
Cost to join
- Membership requires opening a SLO Savings account with a $5.00 minimum deposit.
Membership information collected October 5, 2026.