Get a car loan, even with a low credit score
With flexible terms and non-traditional qualifications, a credit-challenged auto loan from CU SoCal provides a solution for those with less than perfect credit. Don't let a low credit score hold you back from the car you need.
Rates
View all ratesKey advantages
An affordable loan to improve your credit
We don't believe high car payments should be the price you pay for past credit challenges. We are committed to delivering the most affordable car loan possible to each Member. A credit-challenged auto loan not only gets you behind the wheel, it gives you a valuable opportunity to improve you credit score with timely payments.
Your job is more important than your credit score
There are factors beyond your credit score that we take into consideration for a credit-challenged auto loan. If you have a job, the vehicle you're purchasing is for commuting to your job, and you directly deposit your paycheck into your CU SoCal account, you may qualify!
Car loans for less than perfect credit
It's no secret that the car buying process can be difficult for those with a challenging credit history. We have an option that can put you back behind the wheel and on the road. Stop by a branch or apply online today.
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APY=Annual Percentage Yield.
All Rates
| Loan | Term | Min APR | Max APR | Est. Payment Per $1,000 |
|---|---|---|---|---|
|
Loan:
New Auto |
Term:
Up to 60 months |
Min APR:
4.64% |
Max APR:
13.64% |
Est. Payment Per $1,000:
$18.71 - $23.08 |
|
Loan:
New Auto |
Term:
Up to 72 months |
Min APR:
4.89% |
Max APR:
13.89% |
Est. Payment Per $1,000:
$16.05 - $20.55 |
|
Loan:
New Auto |
Term:
Up to 84 months |
Min APR:
5.29% |
Max APR:
11.29% |
Est. Payment Per $1,000:
$14.27 - $17.28 |
|
Loan:
Pre-owned Auto |
Term:
Up to 60 months |
Min APR:
4.89% |
Max APR:
13.89% |
Est. Payment Per $1,000:
$18.82 - $23.21 |
|
Loan:
Pre-owned Auto |
Term:
Up to 72 months |
Min APR:
5.14% |
Max APR:
14.14% |
Est. Payment Per $1,000:
$16.17 - $20.68 |
|
Loan:
Pre-owned Auto |
Term:
Up to 84 months |
Min APR:
5.54% |
Max APR:
11.54% |
Est. Payment Per $1,000:
$14.39 - $17.41 |
Rates Effective as of: June 6, 2026
The Annual Percentage Rate=APR disclosed reflect CU SoCal's best available rate and includes a 0.50% discount when you have at least $750 monthly direct deposit to your CU SoCal Checking Account and an additional 0.25% discount as a Rewards+ Loyalty Program Member. Your APR may vary based on applicant’s creditworthiness, loan amount, and loan term. If discount requirements are not met or are discontinued, the APR will be higher. Financing is available up to 120% of Kelley Blue Book retail value, inclusive of tax, license, and optional CU SoCal GAP and Mechanical Repair Coverage, subject to credit approval and underwriting guidelines. Vehicles less than two years old with up to 10,000 miles are classified as new; vehicles less than ten years old with up to 120,000 miles are classified as preowned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. Payment factor is based on maximum term and calculated per $1,000 financed. Direct deposit discount is applied once at time of loan funding. Rewards+ discount applied within 30 days of verification of applicant meeting qualification requirements. Discounts remain in effect for the life of the loan unless qualifying conditions are discontinued. For loans with a 90-day payment deferment, interest accrues from the funding date. Not all applicants will qualify. Additional terms and conditions may apply; consult a CU SoCal representative for details. Rate subject to change without notice.
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