Auto Loans
Competitive rates on new and used vehicles, flexible terms, and real people right here at SLO Credit Union. Our members aren’t customers, they’re the reason we exist.
How To Get Started
Apply Today
Apply seamlessly online, call us today, or come into branch
Get Pre-Approved
Our local lending team reviews your application and helps you choose the right terms.
Shop With Confidence
Head to the dealer with your budget in hand, or finance at CUDL participating dealerships.New Auto Loans
48-month auto loan
Rates as low as
4.89% APR*
Used Auto Loans
48-month auto loan
Rates as low as
5.39% APR*
Why Finance with SLO Credit Union?
Low Rates For Both New & Used Car Loans
As a not-for-profit cooperative, we return value to members through lower borrowing costs
Finance at local CUDL participating dealerships
Through the Credit Union Direct Lending (CUDL) program, you can choose SLO Credit Union financing at participating local dealerships.
Shop with pre-approval power
Knowing your budget up front means more negotiating power and fewer surprises in the finance office.
No prepayment penalties
Make extra payments or pay the whole thing off whenever you’re ready!
Earn an interest rebate
Open a checking account, set up a direct deposit of $500+ a month, and use your debit card 10+ times. Each qualifying month, a 0.05% interest rebate is credited to your loan.
Protect Your Investment with GAP
Not putting much down? Optional Guaranteed Asset Protection covers the difference between your insurance payout and your loan balance if your car is totaled or stolen. It’s a one-time cost, so you can start your next purchase with confidence. Learn about GAP.
SLO Credit Union Members Come First
For more than 70 years, SLO Credit Union has been part of the San Luis Obispo community. We’re your neighbors, and every decision we make starts with one question: what’s best for our members? We believe providing competitive auto loan rates and benefits is important to our community.
Not a member yet? Join the SLO Credit Union family today!