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Used Auto Loans

With used auto loans as low as 1.99% APR*, you’re able to drive away in a car that fits your wants and needs without breaking the bank.

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Pre-loved doesn’t mean unwanted, so when it comes to purchasing a used car that’s able to get you places, you don’t have to worry about paying a ridiculous interest rate and committing to unattainable loan terms.

As a 1st Nor Cal® Credit Union member, you’re able to enjoy many benefits, including:

  • Low loan rates
  • Extended loan terms
  • Convenient online application process

Not yet a member? Apply for Membership

Call us today @ (888) 387-8632 for more information or Apply Now

Used Auto Loan Rates

1st Nor Cal® Credit Union is a not-for-profit cooperative dedicated to offering competitive loan rates to members, helping you achieve your financial goals. Our competitive used auto loans mean you’re able to enjoy your new-to-you ride on a budget.

  • Low 1.99% APR*
  • Loan terms up to 72 months

*APR = Annual Percentage Rate. Loan amount and terms subject to approval; your rate may be different depending on loan amount, term, credit score, and other factors. Your rate will be disclosed prior to funding. Rates are subject to change.

FEES:  Late Charge = $20.00; Returned Payment Fee = $20.00. See Fee Schedule for full details.

To view current used auto loan rates, click here

Member Financial Resources

As a 1st Nor Cal® Credit Union member, you’re able to enjoy many benefits in order to further your financial future. Stay up to date with member resources and financial information dedicated to the growth of your financial goals.

Financial Info

Get approved for a used auto loan


Additional Banking & Lending Services

Our banking services allow you to grow your financial future and invest in your goals. Not only do we offer low used auto loans, but we also provide members with many more banking products and services.


When the time comes to enjoy your retirement years, you want to be able to relax and not have to worry about finances. Our Individual Retirement Accounts (IRAs) requiring no minimum deposit provides you with the option of saving for your golden years now.

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Money Market

With competitive dividend rates on our Money Market accounts, you’re able to save more when your savings balance generally tends to be higher, while still being able to access your funds.

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VISA® Credit Cards

Our no annual fees, no balance transfer fees, low interest rates, and no cash advance fees* VISA® Credit Cards allow you to live everyday life and enjoy normal shopping sprees without committing to unnecessary payments.

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Get Approved For An Affordable Used Auto Loan

No need to pay a high APR when you’re a 1st Nor Cal® Credit Union member. Enjoy your pre-loved car, and a competitive loan rate, when getting approved for a used auto loan with us.

We’re proud to offer members low-interest rates and reasonable terms to match your budget.

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