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Are you looking to purchase a new or pre-owned vehicle in San Diego, and need to secure an auto loan? You may opt to line up a car loan through the dealer; however, this isn’t always ideal. To streamline approval, you can apply on the web for a car loan. You could be working out the details of your car loan in minutes.

Auto Finance Rates in San Diego

The rates below should not be viewed as ads, but estimates to give you a notion of what interest rates to expect given your location and your credit score. Your exact interest rate will depend on quite a number of factors, for example loan company, down payment, monthly income, type of loan, etc.

FICO Rating New Car Pre-owned Car
Excellent 3.2% 3.7%
Good 4.6% 5.7%
Average 6.5% 8.5%
Subprime 9.4% 10.8%
Bad 14.1% 16.5%
Very Bad 15.6% 18.4%

Used Car Financing in San Diego

Options like 0% car loans and no down payment are available on new cars when you’ve got exceptional credit. Elevated rates for pre-owned vehicles, however, are countered by cheaper down payments, monthly payments, and insurance premiums. You can finance a solid used vehicle for a fraction of what it costs to finance a brand new one.

Age Price Rate Months Payment Interest Total
New $16,200 6.00% 60 $313.19 $2,591 $18,791
1 Year $12,960 7.50% 60 $259.69 $2,622 $15,582
2 Years $11,016 7.50% 60 $220.74 $2,228 $13,244
3 Years $9,364 7.50% 60 $187.63 $1,894 $11,258

Essentially, the car purchased new for $16,200 is worth only $9,364 after three years. Most companies allow you to finance a used car up to eight years old, and some have a mileage cap of 100K miles.

Bad Credit Auto Loans in San Diego

Generally speaking, promotions like no money down are inconceivable if your credit score isn’t in the mid to high 700s. Better credit scores normally result in reduced rates, but there’s a lot more to it than that. Although subprime credit always leads to a higher interest rate, you can now request quotes from a variety of loan creditors online.


A lot of people wind up relying on buy here pay here car dealers, most of which don’t even evaluate a consumer’s credit. There’s a price to be paid for that lack of credit check: excessive rates, rigid conditions, and overpriced vehicles.

You will be happier getting financed by a bank or loan provider. The advantages are countless: more affordable rates, considerably better service, and if you make your payments in a timely manner, an improved FICO score.

Go here to apply online.

San Diego Credit Improvement

There are a variety of ways to reduce your rate of interest. First off, you’ll want to examine your credit report for any irregularities. Many consumers don’t realize that, once a year, you can check your credit report at no cost via

Disputing errors is actually pretty simple. You can do it on your own, or engage one of San Diego’s credit improvement services to assist you. Aside from that, down payments, cosigners, and faster repayment terms all help with decreased loan rates.

No Money Down Car Loans in San Diego

Are you aiming to buy a car or truck in San Diego with no down payment? For people with great credit, the majority of banks will forego the down payment requirement. If your credit isn’t but average, however, a down payment of 10-20% is commonly a requirement. Assuming you have credit problems, there’s just one main approach: search for a car dealership that allows trade-ins, and use your existing vehicle to cover the down payment on your new one.

San Diego Resources

Credit Unions


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[tboot_table strip=”yes” border=”yes” hover=”yes” cols=”Credit Union,Street address,Zip,Phone” data=”Anheuser-Busch Employees,500 Sea World Dr,92109,(619) 225-3230,Cabrillo,10075 Carroll Canyon Rd,92131,(858) 547-7400,Cabrillo,880 Front St,92101,(858) 547-7400,Calif Feminist Credit Union,Po Box 16587,92176,(619) 298-7283,California Coast,P.O. BOX 502080,92150,(877) 495-1600,California Coast,4285 Ruffin Rd,92123,(858) 467-7503,California Coast,440 Beech St,92101,(619) 685-5404,California Coast,8220 Mira Mesa Blvd,92126,(858) 635-4977,California Coast,4265 Genesee Ave,92117,(858) 495-1680,California Coast,9201 Spectrum Center Blvd,92123,(877) 495-1600,California Coast,2200 Pacific Hwy,92101,(858) 320-5832,California Coast,4470 Park Blvd,92116,(619) 688-2301,California Coast,9825 Mira Mesa Blvd,92131,(858) 586-5961,California Coast,a101 1060 University Ave,92103,(619) 542-5222,First Financial,7510 Hazard Center Dr #417,92108,(800) 537-8491,First Technology,16399 W. Bernardo Dr. Bldg. 61L MS CU,92127,(858) 385-4001,Justice,9797 Aero Dr,92123,(703) 480-5300,Kinecta,13161 Black Mountain Rd #9,92129,(800) 854-9846,Ledge Light,10646 Science Center Dr,92121,(800) 525-5943,Miramar,P.O. Box 261370,92196,(858) 695-9494,Miramar,9494 Miramar Rd,92126,(858) 695-9494,Mission,5785 Oberlin Dr,92121,(800) 500-6328,Mission,11868 Rancho Bernardo Rd,92128,(858) 524-2850,Mission,2020 Camino Del Rio N #100,92108,(858) 524-2850,Mission,4250 Clairemont Mesa Blvd,92117,(858) 524-2850,Mission,675 Saturn Blvd,92154,(858) 524-2850,Mission,5394 Linda Vista Rd,92110,(858) 524-2850,Mission,10768 Westview Pkwy,92126,(858) 524-2850,Mission,5785 Oberlin Dr #109,92121,(858) 524-2850,Mission,269 W Washington St,92103,(858) 524-2850,Navy Federal Credit Union,2574 Mitscher Way,92126,(888) 842-6328,Navy Federal Credit Union,8260 Mira Mesa Blvd,92126,(888) 842-6328,Navy Federal Credit Union,Historic Decatur Rd,92106,(888) 842-6328,Navy Federal Credit Union,4365 Imperial Ave,92113,(888) 842-6328,Navy Federal Credit Union,555 Saturn Blvd,92154,(888) 842-6328,Navy Federal Credit Union,17030 Bernardo Center Dr,92128,(888) 842-6328,Navy Federal Credit Union,Norman Scott Rd,92113,(619) 696-0028,Navy Federal Credit Union,10865 Black Mountain Rd,92126,(858) 566-4561,Navy Federal Credit Union,940 Dennery Rd,92154,(619) 428-1075,Navy Federal Credit Union,10645 Tierrasanta Blvd,92124,(858) 569-8236,North County,PO BOX 289014,92198,(858) 487-1880,North County,17045 Via Del Campo,92127,(858) 487-1880,North Island Financial,PO Box 85833,92186,(619) 656-4000,North Island Financial,8198 Mira Mesa Blvd,92126,(619) 656-7216,North Island Financial,10549 Scripps Poway Pkwy,92131,(619) 656-7240,North Island Financial,9119 Clairemont Mesa Blvd,92123,(619) 656-7211,North Island Financial,Building 318 NASNI,92135,(619) 656-7156,North Island Financial,225 Broadway,92101,(619) 656-7270,North Island Financial,5898 Copley Dr,92111,(619) 656-4000,Northrop Grumman,9326 Spectrum Center Blvd,92123,(858) 514-9062,Northrop Grumman,17066 Goldentop Rd,92127,(858) 618-3790,Pacific Marine,MCRD Bldg. 9,92140,(800) 736-4500,Pacific Marine,9222 Miramar Rd #30,92126,(800) 736-4500,Point Loma,9420 Farnham St,92123,(888) 495-3400,Point Loma,200 Catalina Blvd,92106,(619) 226-5661,Point Loma,3777 Sports Arena Blvd,92110,(619) 226-7100,Point Loma,10413 Craftsman Way #102,92127,(858) 485-0812,San Diego County,6545 Sequence Dr,92121,(858) 732-2848,San Diego County,7708 Regents Rd,92122,(877) 732-2848,San Diego County,10715 Sorrento Valley Rd,92121,(877) 732-2848,San Diego County,12330 Carmel Mountain Rd,92128,(877) 732-2848,San Diego County,1650 Garnet Ave,92109,(877) 732-2848,San Diego County,5555 Mildred St,92110,(877) 732-2848,San Diego County,2245 Fenton Pkwy #107,92108,(877) 732-2848,San Diego County,5500 Overland Ave #190,92123,(877) 732-2848,San Diego County,6705 Mira Mesa Blvd,92121,(877) 732-2848,San Diego County,1004 Rosecrans St,92106,(877) 732-2848,San Diego Firefighters,4926 La Cuenta Dr,92124,(800) 973-3328,San Diego Jacl,1031 25th St,92102,(619) 230-0313,San Diego Metropolitan,P O BOX 719099,92171,(619) 297-4835,San Diego Metropolitan,5375 Napa St,92110,(619) 297-4835,San Diego Metropolitan,320 B St,92101,(619) 297-4835,San Diego Metropolitan,9212 Balboa Ave,92123,(619) 297-4835,Sd Medical,8889 Rio San Diego Dr #100,92108,(619) 641-1100,Sony San Diego Employees,16530 Via Esprillo,92127,(858) 942-2775,Union Yes,3737 Camino Del Rio S #108,92108,(714) 704-2800,University & State Employees,10120 Pacific Heights Blvd #100,92121,(858) 795-6100,Usa Federal Credit Union – Carmel Mountain,11740 Carmel Mountain Rd #190,92128,(858) 831-8100,Vons Employees,3550 Murphy Canyon Rd,92123,(626) 444-1972,Western,Northrop Grumman,92128,(877) 254-9328″][/tboot_table]