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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

Credit UnionStreet addressZipPhone
Anheuser-Busch Employees500 Sea World Dr92109(619) 225-3230
Cabrillo10075 Carroll Canyon Rd92131(858) 547-7400
Cabrillo880 Front St92101(858) 547-7400
Calif Feminist Credit UnionPo Box 1658792176(619) 298-7283
California CoastP.O. BOX 50208092150(877) 495-1600
California Coast4285 Ruffin Rd92123(858) 467-7503
California Coast440 Beech St92101(619) 685-5404
California Coast8220 Mira Mesa Blvd92126(858) 635-4977
California Coast4265 Genesee Ave92117(858) 495-1680
California Coast9201 Spectrum Center Blvd92123(877) 495-1600
California Coast2200 Pacific Hwy92101(858) 320-5832
California Coast4470 Park Blvd92116(619) 688-2301
California Coast9825 Mira Mesa Blvd92131(858) 586-5961
California Coasta101 1060 University Ave92103(619) 542-5222
First Financial7510 Hazard Center Dr #41792108(800) 537-8491
First Technology16399 W. Bernardo Dr. Bldg. 61L MS CU92127(858) 385-4001
Justice9797 Aero Dr92123(703) 480-5300
Kinecta13161 Black Mountain Rd #992129(800) 854-9846
Ledge Light10646 Science Center Dr92121(800) 525-5943
MiramarP.O. Box 26137092196(858) 695-9494
Miramar9494 Miramar Rd92126(858) 695-9494
Mission5785 Oberlin Dr92121(800) 500-6328
Mission11868 Rancho Bernardo Rd92128(858) 524-2850
Mission2020 Camino Del Rio N #10092108(858) 524-2850
Mission4250 Clairemont Mesa Blvd92117(858) 524-2850
Mission675 Saturn Blvd92154(858) 524-2850
Mission5394 Linda Vista Rd92110(858) 524-2850
Mission10768 Westview Pkwy92126(858) 524-2850
Mission5785 Oberlin Dr #10992121(858) 524-2850
Mission269 W Washington St92103(858) 524-2850
Navy Federal Credit Union2574 Mitscher Way92126(888) 842-6328
Navy Federal Credit Union8260 Mira Mesa Blvd92126(888) 842-6328
Navy Federal Credit UnionHistoric Decatur Rd92106(888) 842-6328
Navy Federal Credit Union4365 Imperial Ave92113(888) 842-6328
Navy Federal Credit Union555 Saturn Blvd92154(888) 842-6328
Navy Federal Credit Union17030 Bernardo Center Dr92128(888) 842-6328
Navy Federal Credit UnionNorman Scott Rd92113(619) 696-0028
Navy Federal Credit Union10865 Black Mountain Rd92126(858) 566-4561
Navy Federal Credit Union940 Dennery Rd92154(619) 428-1075
Navy Federal Credit Union10645 Tierrasanta Blvd92124(858) 569-8236
North CountyPO BOX 28901492198(858) 487-1880
North County17045 Via Del Campo92127(858) 487-1880
North Island FinancialPO Box 8583392186(619) 656-4000
North Island Financial8198 Mira Mesa Blvd92126(619) 656-7216
North Island Financial10549 Scripps Poway Pkwy92131(619) 656-7240
North Island Financial9119 Clairemont Mesa Blvd92123(619) 656-7211
North Island FinancialBuilding 318 NASNI92135(619) 656-7156
North Island Financial225 Broadway92101(619) 656-7270
North Island Financial5898 Copley Dr92111(619) 656-4000
Northrop Grumman9326 Spectrum Center Blvd92123(858) 514-9062
Northrop Grumman17066 Goldentop Rd92127(858) 618-3790
Pacific MarineMCRD Bldg. 992140(800) 736-4500
Pacific Marine9222 Miramar Rd #3092126(800) 736-4500
Point Loma9420 Farnham St92123(888) 495-3400
Point Loma200 Catalina Blvd92106(619) 226-5661
Point Loma3777 Sports Arena Blvd92110(619) 226-7100
Point Loma10413 Craftsman Way #10292127(858) 485-0812
San Diego County6545 Sequence Dr92121(858) 732-2848
San Diego County7708 Regents Rd92122(877) 732-2848
San Diego County10715 Sorrento Valley Rd92121(877) 732-2848
San Diego County12330 Carmel Mountain Rd92128(877) 732-2848
San Diego County1650 Garnet Ave92109(877) 732-2848
San Diego County5555 Mildred St92110(877) 732-2848
San Diego County2245 Fenton Pkwy #10792108(877) 732-2848
San Diego County5500 Overland Ave #19092123(877) 732-2848
San Diego County6705 Mira Mesa Blvd92121(877) 732-2848
San Diego County1004 Rosecrans St92106(877) 732-2848
San Diego Firefighters4926 La Cuenta Dr92124(800) 973-3328
San Diego Jacl1031 25th St92102(619) 230-0313
San Diego MetropolitanP O BOX 71909992171(619) 297-4835
San Diego Metropolitan5375 Napa St92110(619) 297-4835
San Diego Metropolitan320 B St92101(619) 297-4835
San Diego Metropolitan9212 Balboa Ave92123(619) 297-4835
Sd Medical8889 Rio San Diego Dr #10092108(619) 641-1100
Sony San Diego Employees16530 Via Esprillo92127(858) 942-2775
Union Yes3737 Camino Del Rio S #10892108(714) 704-2800
University & State Employees10120 Pacific Heights Blvd #10092121(858) 795-6100
Usa Federal Credit Union - Carmel Mountain11740 Carmel Mountain Rd #19092128(858) 831-8100
Vons Employees3550 Murphy Canyon Rd92123(626) 444-1972
WesternNorthrop Grumman92128(877) 254-9328