Credit union · Privately insured
South Bay Credit Union Auto Loan Rates
Top CarrotSouth Bay Credit Union auto loans start at 4.75% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How South Bay Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where South Bay Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
South Bay Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
South Bay Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where South Bay 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 application fees, no hidden closing costs, no early payoff penalties. No payment is due for the first 90 days. Available for purchase or refinance. Terms up to 84 months. New vehicle loans are for current or next year model with 10,000 miles or under. California registered vehicles only (out-of-state dealer purchase upon approval). Rates increase on vehicles with >100k miles. Rates determined by creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | New Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only. |
| 61–72 months | 5.00% | New Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only. |
| 73–84 months | 5.25% | New Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only. |
Sources (2)
All captured Oct 6, 2026
Used Auto Loan
No application fees, no hidden closing costs, no early payoff penalties. No payment is due for the first 90 days. Available for purchase or refinance. Terms up to 84 months. Used vehicle loans are for vehicles with over 10,000 miles, including pre-owned current-year vehicles with more than 10,000 miles. California registered vehicles only (out-of-state dealer purchase upon approval). Rates increase on vehicles with >100k miles. Rates determined by creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Used Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only. |
| 61–72 months | 5.24% | Used Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only. |
| 73–84 months | 5.49% | Used Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only. |
Sources (2)
All captured Oct 6, 2026
Who can join South Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or worships in the South Bay community of Los Angeles County.
Membership information collected October 5, 2026.