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San Diego County Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 20 October 2023
Fact checked

San Diego County Credit Union auto loans overview

San Diego County Credit Union logo

Whether you’re looking to purchase a pre-owned or new ride, San Diego County Credit Union (SDCCU) offers competitive vehicle loans. Qualified members can secure 100% financing with great rates and flexible terms. Other than car loans, SDCCU also provides financing for motorcycles and business vehicles.

Want to see what an SDCCU auto loan will cost? Try the San Diego County Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key San Diego County Credit Union auto loan features

  • Minimum loan amount: $15,000 for terms greater than 66 months, and $25,000 for terms greater than 78 months.
  • Maximum loan amount: Up to 100%.
  • Interest rates: As low as 5.49% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

SAN DIEGO COUNTY CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

SDCCU offers up to 100% financing for new and used vehicles with repayment terms extending to 84 months. For new 2022 to 2024 models, rates can be as low as 5.49% APR. Then, used auto loans start at 5.74% APR.

Motorcycle loans

You can finance cruiser or chopper motorcycles, too. San Diego Credit Union provides rates from 6.89% APR for new motorcycles and 8.89% APR for used motorcycles. Additionally, you can make your repayments for up to 84 months.

Business auto loans

SDCCU also has auto loans for business purposes. You can finance up to 100% of new and used vehicles without worrying about application fees. To check your rates and terms, you can apply online or visit a branch.

San Diego County Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
San Diego County Credit Union

San Diego County Credit Union auto loan

San Diego County Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate San Diego County Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for an SDCCU auto loan

Eligibility criteria

SDCCU doesn’t list the criteria for vehicle financing, but you should usually be:

  • At least 18 years old
  • A legal resident
  • A member of SDCCU
  • Employed or have a dependable source of income

Aside from building your credit, it will also help to lower your debt-to-income ratio (DTI). Doing these things can show banks, credit unions, and other lenders that you’re a responsible borrower. So, you may increase your chances of qualifying for better rates and terms.

How to join San Diego County Credit Union

SDCCU membership is open to anyone who:

  • Lives or works in San Diego, Riverside, or Orange counties
  • Works in an SDCCU Select Employer group
  • Joins the Financial Fitness Association

What you’ll need to have ready

Personal details

When you apply for auto financing with San Diego County Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide SDCCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides preparing the documents, ensure your budget is also ready. Keep in mind that car loans are secured, which means you put up your vehicle as collateral. To avoid risking your asset, make sure you consistently meet your loan repayments.

Ways to apply for a Meriwest CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (877) 732-2848

Additional San Diego County Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a day or more depending on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, ACH debit payments, over the phone, by mail, and in a branch.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Under 5,000 miles for new autos.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Loan terms extend up to 84 months.
  • Up to 100% financing.
  • Pre-approval offered.
  • Multiple payment methods – online banking, ACH debit payments, over the phone, by mail, and in person.
  • Convenient car-buying services offered.
  • Multiple partner dealerships.
  • No payments for 90 days.
  • Autopay available.

Cons

  • Limited to members.
  • Loan fees undisclosed.
  • Higher minimum loan amount for terms greater than 66 months.

FREQUENTLY ASKED QUESTIONS

Are San Diego Credit Union auto loan interest rates fixed or variable?

SDCCU offers auto and motorcycle loans with fixed interest rates.

How much interest does the San Diego County Credit Union charge on car loans?

New auto loans can be as low as 5.49% APR, while used auto loans begin at 5.74% APR.

What is the maximum term of an SDCCU vehicle loan?

You can finance your car for up to 84 months.

How much do I qualify for with an SDCCU car loan?

You may borrow up to 100%. But to know how much you may qualify for, you can get prequalified online.

How do I pay my San Diego County Credit Union auto loan?

You can pay your car loan through online banking, ACH debit payments, the phone, the mail, and in a branch.

Where can I apply for a San Diego Credit Union vehicle loan?

Car loan applications can be online, in an SDCCU branch, or over the phone.

What is the phone number for the SDCCU auto loan?

You can reach out to the credit union by calling (877) 732-2848.

Does SDCCU have a car-buying service?

Yes. You can take advantage of SDCCU’s online auto-buying service to easily find, finance, and drive your dream car.

Video: SDCCU low rate auto loans

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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