Auto Loan Refinancing

Bank-beating auto loan rates.

Reduce your interest or monthly payment (or both) by refinancing your auto loan from another lender with a USC Credit Union loan. Our not-for-profit status lets us pass our profits onto members in the form of lower rates – bank-beating rates in the case of auto loans.

  • Competitive and affordable rates1
  • Up to 120% financing2 (includes tax, license, and mechanical breakdown insurance)
  • Save an extra 0.25% with our clean-energy vehicle loan3
  • Check your rate with no impact on your credit score4
  • Optional protection:

Go green with USC Credit Union. Help us lead the way to a cleaner future by driving a vehicle that boosts fuel efficiency and cuts harmful emissions. You’ll save an extra 0.25%3 and help protect the planet. Vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway).

Direct Deposit Discounts. Besides low rates, you’ll save an extra 0.25%1 on your auto loan rate by enrolling in direct deposit. Just have your loan payments go direct to a USC Credit Union account or set up automatic payments.

Major Mechanical Protection. Protect your vehicle well beyond the manufacturer’s warranty. Major Mechanical Protection covers repair costs when your ride breaks down and provides a variety of additional benefits at no cost such as 24-hour Roadside Assistance, Rental Vehicle Assistance, Tire Protection, and more. 

Peace of Mind Protection. If the unexpected happens, you don’t want to be compounded by financial worry. With Peace of Mind Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death.

Auto Loans + Touring Motorcycles over 1200cc*

Rates accurate as of 11/22/2024
All rates and terms subject to change without notice.

Term and rates for auto loans, and loans for touring motocycles over 1200cc¹
Term100% Financing APR as low as
36 Months5.74%
48 Months5.99%
60 Months6.24%
72 Months6.49%
84 Months6.99%

*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Rates are subject to change based on vehicle year.

Calculate Your Loan Payment

Wondering how much you can afford? Run a scenario of what’s realistic for your budget and payment preferences.





Your estimated monthly loan payment:

$0 / month

Additional info to know about your new car:

Total paid over the life of the loan
$0
Total interest paid on the loan
$0
Compare auto loan options
Term Interest Monthly Payment Lifetime Loan Total Lifetime Interest Paid

*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Rates are subject to change based on vehicle year.

Let’s put you in the driver’s seat.

Take control of your vehicle financing by refinancing with USC Credit Union.

Once I got my membership confirmed, the process of joining and getting assistance applying for auto refinancing was wonderful!

-Rosalind

  • Debit Cards

    Go cashless! Your Debit/ATM card lets you access the funds in your checking account with one quick swipe.

  • Savings Accounts

    The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

  • Direct Deposit

    Get paid early! Have your paycheck or any recurring payments deposited electronically into your checking account online. It’s safe, easy to set up, and a real timesaver.

    Educational Resources

    • News

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

      This year’s Charity Challenge brings USC Credit Union and Notre Dame FCU together to support a cause bigger than the game itself. Each credit union has pledged $5,000, and the stakes are high: the winner of the Notre Dame vs. USC football game on November 30 will decide which charity receives a boosted $10,000 donation.

      Read Full Article

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

    • News

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

      USC Credit Union is proud to announce the successful conclusion of a transformative 10-month financial literacy program in partnership with The RightWay Foundation.

      Read Full Article

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

    • Investments

      High-Yield Business Savings Accounts: Consider a Credit Union!

      Are you looking to make your business’s savings work harder? High-yield savings accounts (HYSA) and high-yield money market accounts (MMA) can help grow your business savings at a competitive interest rate. It’s just one way to beat inflation while growing your funds for the future.

      Read Full Article

      High-Yield Business Savings Accounts: Consider a Credit Union!

    • Credit Unions

      Business Accounts at Credit Unions vs. Banks

      Choosing the right financial partner for your business isn’t always easy. Many traditional banks come with high fees, rigid rules, and one-size-fits-all services that might not fit your business needs. Business credit unions, like USC Credit Union, shine by offering competitive business bank accounts that often have better terms and more flexibility than traditional banks!

      Read Full Article

      Business Accounts at Credit Unions vs. Banks

    • Managing Debt

      Budgeting: Your Best Partner When In Debt

      With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.

      Read Full Article

      Budgeting: Your Best Partner When In Debt

    • Student Loans

      Smart Student Loan Repayment Tips for 2024

      Navigating student loan repayment can be challenging, but 2024 brings new opportunities to ensure you’re on the right track towards financial freedom!

      Read Full Article

      Smart Student Loan Repayment Tips for 2024

    • Student Loans

      Celebrating the Holidays with Student Debt

      The holidays are a time of joy and giving, but for many of us managing student loan repayments, it can also be a season of financial stress. But with a bit of planning, creativity, and focus on what truly matters to you this season, it’s possible to find holiday cheer without breaking the bank.

      Read Full Article

      Celebrating the Holidays with Student Debt

    • Identity Theft

      The Rise of Card Skimming and How to Fight It

      Skimming is a persistent and evolving threat, but by being aware and taking preventative measures, we can fight against compromised cards and protect our financial well-being. Read this guide for tips and signs to watch out for.

      Read Full Article

      The Rise of Card Skimming and How to Fight It

    • Student Loans

      Repaying Student Loans: Budget Your Way to Freedom

      Managing student loan debt can sometimes feel like an uphill battle. But the truth is, a smart budget, personalized to your income and other expenses, can be your greatest asset in paying off your student loans while maintaining your quality of life. In this guide, we walk you through the steps to create your own budget that works for you and your goals.

      Read Full Article

      Repaying Student Loans: Budget Your Way to Freedom

    • Fraud Awareness

      Recognizing Text Scams

      Does this sound familiar? “Did you attempt a payment for $3,000? Reply YES or NO.”  If so, you're not alone. Financial institution impersonations are the most common text scams and usually include bogus fraud warnings and transfer alerts. Follow these tips to help you identify potential scams and keep your personal information safe and secure.

      Read Full Article

      Recognizing Text Scams

      1Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Such rates are subject to change based on vehicle year. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Annual Percentage Rate (APR) is effective as of 11.22.2024, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 5.74% is $30.30. This payment example is for illustration purposes only. Your actual payment may vary. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.

      2Up to 120% financing available based on credit worthiness, model year, and underwriting factors. New: Manufacturer’s Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), both including tax, license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver’s license and current insurance information are required at time of financing.

      3The 0.25% discount for automatic payments and the 0.25% discount for clean energy vehicles can be combined, so long as the rate does not go below the 4.99% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.

      4You are providing “written instructions” to WithClutch, Inc. and USC Credit Union under the Fair Credit Reporting Act authorizing WithClutch, Inc. and USC Credit Union to obtain information from your personal credit report and from the Credit Bureau solely to conduct a pre-qualification for credit. This will not impact your credit score.