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Auto Loans

Drive away with your dream car at an affordable rate with Cabrillo Credit Union's competitive auto loan rates, tailored for San Diego residents. 

Explore the latest San Diego credit union auto loan rates at Cabrillo Credit Union. 

With our low APRs and customizable terms, finding the perfect loan for your dream car has never been easier. 

View Rates   Auto Loan Calculator   Apply for a Auto Loan 

Cabrillo Credit Union Auto Loans Rates

Apply Today: Drive Away with an Affordable Rate


Getting the Lowest Possible Auto Loan Payment

At Cabrillo Credit Union, we prioritize your financial well-being. With our special program, we guarantee to either meet or beat other financial institutions' offers. Simply present us with a written offer from another institution, and we will match or surpass the rate, or provide you with $50!*


Rates as of January 1, 2024

Model Year Terms up to 36 Months Terms up to 84 Months
2021 and newer 5.40% APR* 7.15% APR*
2017-2020* 6.40% APR* Terms up to 75 months
Model Year Terms up to 36 Months Terms up to 75 Months
2016 and newer* 6.40% APR* 7.90% APR*
Boats & RVs
Model Year Terms up to 36 Months Terms up to 120 Months
2016 and newer* 7.90% APR* 9.15% APR*

For those ready to explore their auto loan options and calculate their payment, visit our payment calculator to get started.


Loan Rate Discount

Maximize your savings with Cabrillo's loan rate discount. When you opt to have your paycheck directly deposited into your Cabrillo checking account, you'll enjoy an additional .25% discount off our already low interest rates.**


Auto Buying Service

Experience hassle-free car shopping with Cabrillo's auto buying partner, New Cars Inc. Whether you're in the market for a new or used vehicle, New Cars Inc. is dedicated to helping you find your perfect car at an affordable price. Say goodbye to dealership hassles and hello to a seamless car-buying experience!

New Cars Inc.   


*APR= Annual Percentage Rate. 5.40% rate offered up to a 36-month term and 7.15% rate offered for up to a 84-month term on approved credit, with direct deposit. 84-month terms are available for loans with a balance of $40,000 or more. A 5.40% APR loan of $10,000 has 78 bi-weekly payments of $140. A 7.15% APR loan of $40,000 has 182 bi-weekly payments of $282. Rate applies to last 4 model years. Some restrictions apply. Maximum first payment deferral of 90 days. Meet or Beat applies to credit union, bank or dealer financing, excluding manufacturer financing and interest rate buy-downs. Highly qualified applicants cannot exceed 120% of the value for New and Used vehicles. Restrictions apply. DMV Add-On and skipping your loan payment will lengthen the term of your loan and may reduce a claim on your GAP policy, if applicable. Interest continues to accrue during skipped payment. Offers not valid for existing Cabrillo Credit Union loans. Restrictions may apply to the terms and conditions listed. Federally insured by NCUA.

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