The southern California lifestyle is on the move.

Whether you're cruising around town or heading to the beach, your car connects you to the things you love. For more than 60 years, we've been funding auto loans with competitive rates, flexible terms, and low monthly payments.

Why drivers in southern California choose us to make it happen:

Financing up to 120%
Competitive rates
Quick pre-approvals
Flexible terms up to 84 months

Whatever the plan is for your road ahead, make it happen with:

  • Up to 120% financing for new and used vehicles.2
  • Rates as low as.1
  • Quick pre-approvals.
  • Extended terms up to 84 months for the lowest possible monthly payment.
  • A personal auto-buying concierge service.
  • Low-cost loan protection add-ons.
  • No application or funding fees.

Meals and Deals

Your Auto Loan is a great deal and will help put meals on many tables. Help us beat hunger and food insecurity this holiday season. Between now and December 31, every time we finance an auto loan, we’ll donate to Second Harvest Food Bank in Orange County.3

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Auto Loan Rates

Loan Term APR Est. Payment Per $100
New Auto (2020 – 2021) Up to 48 months 2.49% 2.21
New Auto (2020 – 2021) Up to 60 - 72 months 3.09% 1.52
New Auto (2020 – 2021) Up to 84 months 3.59% 1.35
Pre-owned Auto (2011 – 2019) Up to 48 months 3.09% 2.22
Pre-owned Auto (2011 – 2019) Up to 60 - 72 months 3.29% 1.53
Pre-owned Auto (2011 – 2019) Up to 84 months 3.79% 1.36

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The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. Ask a CU SoCal representative for details. Vehicle models 2020 to 2021 with up to *10,000 miles will be considered new. Vehicle models 2011 to 2019 with up to 100,000 miles will be considered Pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.50% reduction for payroll direct deposit (at least half of net payroll) into a CU SoCal Checking Account with automatic payment to your loan. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination.The rates and terms above are effective as of 4/1/2021 and are subject to change without notice

Optional Loan Protection

Loan Payment Protection
Loan Payment Protection may help safeguard you and your family in case you are injured or lose your job. Loan Payment Protection can be added to new or used vehicle loans when you purchase your car, or call us at 562.365.1851 to add it to an existing loan.
Guaranteed Asset Protection (GAP)
GAP is designed to protect you against financial loss in the event your car is stolen or declared a total loss in an accident. GAP can be added to new or used vehicle loans when you purchase your car, or call us at 562.365.1851 to add it to an existing loan.
Mechanical Repair Coverage (MRC)
MRC is a high-quality, comprehensive coverage plan that safeguards you from expensive auto repairs. MRC can be added to new or used vehicle loans when you purchase your car, or call us at 562.365.1851 to add it to an existing loan.

Debt Protection

Life, Disability, or Involuntary Unemployment Claim? We are here to help!

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you
can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form at

If you prefer, call 1.800.621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide
you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union

Auto Buying Services

Auto Expert
A personal auto-buying concierge who locates the vehicle you want, negotiates to get you the best price, completes the paperwork, searches for the highest bid for your trade-in, and delivers the car to you!

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We lend on character. Not just on credit scores.

Been turned down for an auto loan because of a low credit score? We listen to your story and look beyond your credit score today to build the right auto loan that will help you become financially stronger tomorrow.

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Hear from others like you who made it happen.

CU SoCal helped me lower my auto loan payment. After seeing the savings and receiving the personal service, I have great comfort knowing that I bank at a financial institution that cares about my well-being and future.

Irene, Member since 2016

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Having these documents handy will help accelerate the application and approval process.


Current driver's license or government/state issued ID.


Current registration or purchase order.


Proof of insurance.

Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


562.698.8326 | 866 CU SoCal Se Habla Español