Loans and Credit Cards

A Loan For Every Season And Every Reason.

As a Member of CU SoCal, you may borrow for almost any purpose. We are proud to offer a wide variety of loans with low interest rates, flexible terms, helpful services and many of them with the same-day approval! In addition, the interest charged on our loans is based on the unpaid balance; therefore you may pay off your loan at any time with no prepayment penalty.

Save on your current loan!

Already have a loan elsewhere? Find out how much you may be able to save by refinancing with CU SoCal. Our online calculator can help you determine if you can save money on your existing loans by refinancing with us. It’s free, simple, and you can calculate potential savings in just minutes! Calculate your savings now!

Credit unions are a great choice for many reasons! Hear why we make great lenders—especially now! Watch this clip that aired on The Early Show on CBS.

Apply online or over the phone by contacting one of our friendly service representatives.

Funding Life’s Cherished Moments More Than Six Decades.

Whether you are shopping for your dream home, looking to refinance your existing one, or want to use the equity in your house, CU SoCal has the right home loan option to fit your needs.

Learn more about CU SoCal’s home loan products to:

Let CU SoCal Help You Find It, Fund It, And Protect It.

Southern California is car country. For 60 years, we’ve been funding auto loans with great rates, great terms, and low monthly payments. So, if you’re thinking about that sporty weekend roadster, the perfect soccer-mom SUV, the workhorse truck, slick sedan, or money-saving hybrid, think about us! Or, keep your car and let us help you lower your rate and payments.

More Smiles To The Gallon

  • Up to 120% financing for new and used vehicles2
  • Rates as low as 2.49% APR1 for well-qualified Members
  • Quick pre-approva for hassle-free shopping
  • Extended terms up to 84 months for the lowest possible monthly payment
  • No application or funding fee
  • Low-cost Guaranteed Auto Protection (GAP), Mechanical Repair Coverage (MRC), and Debt Protection
  • Auto-buying partners for great deals and hassle-free shopping

We Lend On Character. Not Just On Credit Scores.

Building Better Lives begins with the belief that we are more than a place to bank. We’re here to help you financially thrive. We listen to your story and look beyond your credit score today to find the right auto loan for your situation and help you be financially stronger tomorrow.

Learn More

What You’ll Need

Having these documents handy will help to speed up the application and approval process.

  • Current driver’s license or government/state issued ID
  • Current registration or purchase order
  • Proof of insurance

Start My Application

1APR=Annual Percentage Rate. Rate quoted as of 9/26/16 for up to 72 months and is subject to change. Rate includes .50 percent discount for automatic payment transfer from or direct deposit to a CU SoCal Checking Account. Estimated payment $1.49 per $100 borrowed. Rates are based on a variety of factors, including credit rating. Not all buyers will qualify.
2Amount financed may not exceed 100% retail Kelley Blue Book including tax, license, warranty, etc. Older used vehicles may be eligible up to wholesale Kelley Blue Book value with a one percent rate adjustment.

A Loan For Every Season And Every Reason.

Whether you’re taking out a loan to consolidate debt or make home improvements, CU SoCal’s personal loans feature affordable, flexible loan plans and are designed with you in mind.

Personal loans have no prepayment penalties or application fees, and include unsecured signature loans with fixed payments, revolving unsecured lines of credit, and certificate- and share-secured loans.

Helping Community Businesses Thrive.

The Business Lending division of Credit Union of Southern California (CU SoCal) is committed to delivering World-Class Service tailored to meet your company’s lending and investing needs. Our experienced lending team offers competitive loan programs and knowledgeable advisors to help you every step of the way.

One-to-One With Our Commercial Lending Officer

Meeting face-to-face or over the phone with our Commercial Lending Officer gives you the opportunity to have all your detailed financing questions answered and to gain valuable insights. To prepare for the discussion, we encourage you to have a rent roll and income/expense statement on hand.

Contact Orlando Cepeida, Commercial Lending Officer, at 562.365.1893, 714.316.3567 (cell), or by email to

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