If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-888-387-8632 for assistance.
24-Hour Member Service: (888) 387-8632
Locations & Hours

Auto Loans

New or used auto loan rates as low as 2.74% APR. Apply Now.  Refinance and Save. Auto rates as low as 2.74% APR. Click to Apply Now.

We offer competitive rates on our auto loan products* and our loan staff is here to help you finance the vehicle you’re looking for. Visit the Auto Buying section below to learn some auto buying tips and start shopping today!

  • New or Used Auto Loans
  • Auto Loan Refinance
  • Title Loans
    Use your Auto Equity to pay down other high interest debt, pay your taxes, fund a project on your home, or even pay for a vacation.
  • New or Used Motorcycle, RV or Boat Loans

If you would like further information, please contact our Loan Department at (925) 335-3851.

–   –   –   –   –   –   –   –   –   –

Click HERE to view current loan rates.

Apply Now

Not a member yet?
Click HERE to apply for Membership.

–   –   –   –   –   –   –   –   –   –

Upload Proof of Insurance

*Annual Percentage Rate applies and loans are subject to approval. Up to 100% financing on NEW autos, including purchase price, taxes, license and Mechanical Breakdown Insurance Warranty, with terms up to 84 months. Financing up to 100% of the retail Blue Book value on USED autos, plus taxes and license, with terms up to 60 months. Up to 100% financing on NEW motorcycles including tax and license. Financing up to 100% of retail NADA Book value on USED motorcycles, not over 10 years old. Up to 100% financing on NEW RVs and boats, including tax and license with terms up to 60 months. Financing up to 100% of retail NADA Book value on USED RVs and boats, with terms up to 60 months. Longer terms are available for loans of $25,000 or more on NEW or USED RVs and boats. Certain restrictions apply for extended financing terms. NOTE: Jet Skis, Wave Runners, and Seadoos are specialty items and can be financed for a maximum of 36 months.

DMV Title Alert:  In an effort to have all Californians comply with the required Electronic Lien for vehicle titles, DMV will no longer accept a paper form to release a title. Titles must be released through DMV’s electronic system. What does this mean to you? When you pay off your car/truck loan, our DMV specialist will put in an electronic request, and you will receive your title in 5 to 7 days. Your title will no longer be available at the Credit Union. It will come directly from DMV.

–   –   –   –   –   –   –   –   –   –


Be sure to read our Auto Buying Tips before you shop!


CUDL LogoLook for the CUDL logo at local dealerships. Through CUDL you can apply for financing with 1st Nor Cal® Credit Union and all of the paperwork will be completed right at the dealership. We’ll make sure you get the lowest rate possible for your auto loan, but you must mention that you’re a member of 1st Nor Cal® Credit Union and would like to use CUDL (pronounced “cuddle”) to apply.

Not a 1st Nor Cal® Credit Union member yet? Click here to learn about eligibility and how to join.