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Honda Civic Financing and Loan Calculator

If you’re interested in purchasing a Honda Civic™ with Honda Civic financing, you’re not alone! The Honda Civic is California's No. 1 selling car, and for good reason: it's reliable, gets good gas mileage, is super stylish, and has lots of driver-friendly features.
For more than 60 years, CU SoCal has been funding auto loans with competitive rates, flexible terms, and low monthly payments.
At Credit Union of Southern California (CU SoCal), we make getting Honda Civic financing easy!
1) Choose your Honda Civic model and price
2) Run the numbers using our auto loan calculator, to see how much of a car loan for a Honda Civic you can afford.
3) Apply now for Honda Civic financing.
Need assistance? Call 866.287.6225 today to schedule a no-obligation consultation and learn about our auto loans, home equity lines of credit, personal loans, checking and savings accounts, and other banking products. As a full-service financial institution, we look forward to helping you with all of your banking needs.

Get Started on Honda Civic Financing!

How To Calculate How Much You Can Afford

Financial experts recommend that a new car purchase cost no more than 10% of an individual’s take-home pay after taxes. As for total monthly car expenses (including gas, insurance, and other maintenance), that number should be about only 15% to 20% of take home pay.
How much you can afford to spend on a new car should be based on how much you can afford on a monthly car payment, after you take into consideration paying for other essential living expenses. While driving a new car is exciting, it’s essential that you’re able to pay your mortgage or rent, food, medical expenses, and other necessities for you or your family.
Get assistance with Honda Civic financing, use this auto loan payment calculator to get started.

Explanation Of Terms

Before you start shopping for a car loan for a Honda Civic, here is some terminology you should be familiar with:
Amount Owed on Trade. If your auto loan payoff amount is more than the dealer is willing to give you for your trade-in then you will still have to pay off what you owe on your old vehicle even if you trade it in. Get details at
Cash Down. This is the money the buyer pays at the time of purchase to reduce the total purchase price. Putting more money down means you’ll need a smaller loan amount.
Interest Rate and APR. The interest rate and APR on a car loan are not the same: The interest rate does not include fees charged for the loan. The Annual Percentage Rate (APR) is the total cost the borrower pays on the loan each year, including fees, which are expressed as a percentage.
Monthly Payment. This is the amount you’ll pay each month for the life of the loan. The monthly payment includes paying back the principal amount owed and interest.
No Sales Tax Deduction for Trade-In. California state sales tax applies to the full price of the new or used vehicle, whether or not you traded in your old vehicle.
Non-Taxable Fees. According to the California Department of Tax and Fee Administration, the total purchase price of your vehicle is subject to tax. The total purchase price includes any type of payment, such as cash, checks, the payment or assumption of a loan or debt, and the fair market value of any property and/or services traded, bartered, or exchanged for the vehicle.
Rebates. Throughout the year, car dealerships and manufacturers will offer purchase incentives, including rebates. Rebates are usually a dollar amount that will be deducted from the final negotiated price at the time of purchase.
Sales Tax Rate. All car buyers must pay sales tax on all vehicle purchases. Different cities and counties will have their own sales tax rate. If buying from a dealership, they will calculate the sales tax and add it to your “out the door” price. If you are purchasing from another individual (a private sale), you will still be responsible for paying sales tax. In this case the tax is paid to the California Department of Motor Vehicles when the vehicle is registered. Get the latest information from the California Department of Tax and Fee Administration.
Terms In Months. The “term” is related to auto financing and is the amount of time that the loan will be in effect for, until the vehicle is paid-off. Loan terms are expressed in months. For example, 24, 36, 48 months, etc.
Total Purchase Price (Before Tax). This is the price you and the car dealership or the private seller agree to. This number is typically not what appears on the vehicle’s sticker. It will include any extras you have selected.
Trade Allowance. Trade Allowance is the amount of money a car dealer will offer on the car that is being traded-in at the time a new car is being purchased. It is different than the Actual Cash Value of the trade-in, which may be higher or lower than the trade allowance being offered.

CU SoCal Auto Loans

Check out our fantastic loan features and benefits:
  • Up to 120% financing for new and used vehicles
  • 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. 
See how you can get Honda Civic financing!

Why Savvy Consumers Choose CU SoCal

For over 60 years CU SoCal has been providing financial services, including mortgages, Home Equity Loans, HELOCs, car loans, personal loans, credit cards, and other banking products, to those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County.
Please give us a call today at 866.287.6225 today to schedule a no-obligation loan consultation with a CU SoCal Member Services specialist.
Apply online today!

Honda Civic Financing FAQ

Whether you’re ready to buy a new or used car or truck or are just thinking about it, CU SoCal can help you get ready to buy or lease, and apply for financing.
Learn more with these popular FAQs:

What's A Good Interest Rate for a Car Loan?

Interest rates vary based on a person’s credit score, the length or term of the loan, and other factors. Interest rates fluctuate and where you get your car loan will affect the interest rate offered to you. For example, franchise car dealers and credit unions, which are non-profit organizations, may offer lower interest rates than banks.

How Does My Credit Score Affect My Car Loan?

When shopping for a car loan, lenders will look at your credit score. They do this to determine a borrower’s risk. People with a high credit score are considered low risk and will get a better (lower) interest rate. People with a low credit score are considered high risk for defaulting on a loan and will pay a higher interest rate on loans. You can raise your credit score to get approved for lower interest rates by paying your bills on time and limiting your amount of debt.

How Fast Will a Car Loan Raise My Credit Score?

Although making on-time monthly payments will eventually lead to a higher credit score, most car buyers will first experience a temporary reduction in their credit score, due to the required credit check by the lender and taking on new debt. Buying a car may raise your credit score over the life of the loan, but never buy a car just to raise your credit. 

How Much Will a Car Loan Drop My Credit Score?

Most credit scoring systems allow people to shop for the best rates on car loans without having a negative impact on their credit scores. They do so by counting all inquiries for auto loans within a given period of time as a single inquiry. So completing multiple car loan applications will decrease your credit but not by a lot. Shopping for rates within a 14-day period will ensure inquiries are counted as only one for scoring purposes, or excluded entirely by some scoring systems, according to the credit bureau Experian.

What Is APR On a Car Loan And How Is It Calculated?

The interest rate and APR on a car loan are two different things: The interest rate on a car loan does not include fees charged for the loan. The Annual Percentage Rate (APR) is the total cost the borrower pays on the loan each year, including fees, which are expressed as a percentage.

Can You Negotiate APR On a Car Loan?

Yes. Just like the sales price of the vehicle, APR is negotiable. According to, the loan rate the dealer first offers you may not be the lowest rate you qualify for, so ask the salesperson for the lowest APR. Then, compare the dealer’s interest rate to the competitive low auto loan rates offered by CU SoCal.

How To Get a Car Loan With Bad Credit?

Buying a car with bad credit is possible. That’s right, even with bad credit you can get a car loan, and one with a somewhat favorable interest rate. CU SoCal works with members looking for bad credit auto loans and auto loans for bad credit, because we know you’re more than a credit score.

How To Save Up Money Money for a Car?

Buying a car is a thrilling experience. With a plan in place, though, saving for a car isn't as complicated as you might think. Here are some tips that will help you stay on course to get those new wheels.

Should I Buy a New or Used Honda Civic?

New cars come with the guarantee of reliability (for the first few years at least), but that reliability comes with a cost. Used cars are typically less expensive (if comparing the same make, model, year, etc.) and you may be able to buy one for a great price. Ultimately it comes down to what you can afford. CU SoCal can help you with Honda Civic financing.

When is The Best Time to Buy A Honda Civic?

Year-end sales events, three-day holiday weekends, and the end of each month have traditionally been the best times to get great deals on a new car. These are the times when dealers look to clear inventory and meet sales quotas. 

What Are The Pros and Cons Of Leasing vs. Buying?

There are cost differences associated with leasing vs. buying a car, and these will be influenced by the term of a loan or lease, how much money you put down, the interest rate you qualify for, and the value of the car. If you are not sure if you should buy or lease, talk to a dealership sales representative about purchase promotions vs. lease promotions and ask for an “out the door” price for both options on the same vehicle.

Can You Use a Personal Loan To Buy A Car?

Yes, it is possible to buy a car with a personal loan. However, because personal loan interest rates tend to be higher than auto loan rates, buying a car with a personal loan is not always an ideal solution. More often than not, a traditional auto loan will be the far better option.

Get Started on Honda Civic Financing!

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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.


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