|
Today's Rates At USC Credit Union |
|
Term |
80% |
100% |
|
36 months |
4.74 |
5.74 |
|
48 months |
5.74 |
6.24 |
|
60 months |
6.24 |
6.74 |
|
72 months |
6.74 |
7.24 |
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Important Notes:
1) Rates displayed are Annual Percentage Rate. Rates start as
low as the above published rates, and are based upon applicant
credit evaluation. The rates for this product are determined by
applicant credit, payment history, and collateral.
2) Rates for auto, motorcycle, boat and RV loans subject to 25 basis
point discount for members with direct deposit to any USCCU share
account or automatic loan payment through ACH or payroll deduction.
Above rates do not reflect this discount.
3) Rates and financing terms based on new vehicle purchase price or
wholesale value of used vehicle.
4) Floor (minimum) rate for above referenced loans is 4.74%. |
As a financial cooperative, USC Credit Union does not have to
produce profit for a limited group of stockholders; instead, we use
our profits to help lower the rates we offer members.
You will almost always find the best rates on
car loans right here at your USC Credit Union.
We are so confident in our ability to provide
value to you that we will even help you research rates from other
financial institutions.
Rate-Shopping Resources
It’s sometimes difficult to find current rates on a bank’s web
site, so if you want to see who has the lowest rates, visit one of
these sites where the shopping has been done for you.
Be wary of Dealer Financing
Read the section titled “Dealer financing
is no bargain” for an in-depth study of what’s in the fine print
on dealers’ “super-low” rates... or simply read the condensed
version here:
-
It’s very difficult to qualify for
-
It’s usually for much shorter terms than you’d like
-
You have to give up the rebate, which means paying more for
the car
-
It’s usually available only on the models nobody wants
Same rates for new and used vehicles
Many lenders charge used car buyers a higher rate than new car
buyers. At USC Credit Union, all our borrowers get the same low rate
for both used and new cars. Convenience of applying
Some lenders,
such as USC Credit Union, adapt to your schedule by providing
24-hour application services online, by phone or both. |
