Credit union · California

University Credit Union auto loan rates compared

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California · Headquarters CaliforniaChecked Nov 12, 2026Rate page on ucu.org

EligibilityPer UCU: University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California.

Visit lender Opens ucu.org

Lowest new rate

4.74%APR, as low as

New36 monthsUniversity Credit Union

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 more+4 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.

CA lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.

NewNew car rates · 4 rates

CAChecked Nov 12, 2026

New
As low as

4.74%APR36 months

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto: APR* as Low As 4.74%, Term in Months 36. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 4.74% APR, new, 36 monthsVisit lender, University Credit Union, 4.74% APR, new, 36 months ↗

CAChecked Nov 12, 2026

New
As low as

4.74%APR60 months

Example: $25,000 financed for 60 months at 4.74% APR. Estimated payment: $469/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto: APR* as Low As 4.74%, Term in Months 60. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 4.74% APR, new, 60 monthsVisit lender, University Credit Union, 4.74% APR, new, 60 months ↗

CAChecked Nov 12, 2026

New
As low as

5.74%APR72 months

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto: APR* as Low As 5.74%, Term in Months 72. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 5.74% APR, new, 72 monthsVisit lender, University Credit Union, 5.74% APR, new, 72 months ↗

CAChecked Nov 12, 2026

New
As low as

6.74%APR84 months

Example: $25,000 financed for 84 months at 6.74% APR. Estimated payment: $375/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

New Auto: APR* as Low As 6.74%, Term in Months 84. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 6.74% APR, new, 84 monthsVisit lender, University Credit Union, 6.74% APR, new, 84 months ↗
4.74%APR

New car

Visit lender, University Credit Union, 4.74% APR, new, 36 months

CAChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 4.74% APR. Estimated payment: $747/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
4.74%APR

New car

Visit lender, University Credit Union, 4.74% APR, new, 60 months

CAChecked Nov 12, 202660 months

Example: $25,000 financed for 60 months at 4.74% APR. Estimated payment: $469/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.74%APR

New car

Visit lender, University Credit Union, 5.74% APR, new, 72 months

CAChecked Nov 12, 202672 months

Example: $25,000 financed for 72 months at 5.74% APR. Estimated payment: $412/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.74%APR

New car

Visit lender, University Credit Union, 6.74% APR, new, 84 months

CAChecked Nov 12, 202684 months

Example: $25,000 financed for 84 months at 6.74% APR. Estimated payment: $375/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 4 rates

CAChecked Nov 12, 2026

Used
As low as

5.24%APR36 months

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto (Vehicle up to ten model years old and newer): APR* as Low As 5.24%, Term in Months 36. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 5.24% APR, used, 36 monthsVisit lender, University Credit Union, 5.24% APR, used, 36 months ↗

CAChecked Nov 12, 2026

Used
As low as

5.24%APR60 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto (Vehicle up to ten model years old and newer): APR* as Low As 5.24%, Term in Months 60. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 5.24% APR, used, 60 monthsVisit lender, University Credit Union, 5.24% APR, used, 60 months ↗

CAChecked Nov 12, 2026

Used
As low as

5.99%APR72 months

Example: $25,000 financed for 72 months at 5.99% APR. Estimated payment: $415/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto (Vehicle up to ten model years old and newer): APR* as Low As 5.99%, Term in Months 72. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 5.99% APR, used, 72 monthsVisit lender, University Credit Union, 5.99% APR, used, 72 months ↗

CAChecked Nov 12, 2026

Used
As low as

6.99%APR84 months

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.LTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.
+2 more10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Used Auto (Vehicle up to ten model years old and newer): APR* as Low As 6.99%, Term in Months 84. *APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer. Rates current as of October 26, 2026. Rates subject to change without notice.

Checked Nov 12, 2026Source ucu.org

Calculate payment, University Credit Union, 6.99% APR, used, 84 monthsVisit lender, University Credit Union, 6.99% APR, used, 84 months ↗
5.24%APR

Used car

Visit lender, University Credit Union, 5.24% APR, used, 36 months

CAChecked Nov 12, 202636 months

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.24%APR

Used car

Visit lender, University Credit Union, 5.24% APR, used, 60 months

CAChecked Nov 12, 202660 months

Example: $25,000 financed for 60 months at 5.24% APR. Estimated payment: $475/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
5.99%APR

Used car

Visit lender, University Credit Union, 5.99% APR, used, 72 months

CAChecked Nov 12, 202672 months

Example: $25,000 financed for 72 months at 5.99% APR. Estimated payment: $415/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.99%APR

Used car

Visit lender, University Credit Union, 6.99% APR, used, 84 months

CAChecked Nov 12, 202684 months

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Repeat borrowerRepeat borrower: The published rate includes the lender’s repeat-borrower discount. Your rate still depends on creditworthiness, term, and eligibility.
+3 moreLTV 90% or lessLTV 90% or less: Loan-to-value (loan amount vs. vehicle value) must be 90% or less. Your rate still depends on creditworthiness, term, and eligibility.10 model years old or newer only10 model years old or newer only: This rate applies only to 10 model years old or newer vehicles. Your rate still depends on creditworthiness, term, and eligibility.University communitiesUniversity communities: For a specific group: only open to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures