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Drive Now. Pay Later.

Hit the road now and enjoy extra breathing room with no payments for up to 90 days* and rates as low as 4.49% APR.**

Whether you're buying new or used, now’s the time to lock in a great rate and save more on your next vehicle.

  • Rates as low as 4.49% APR** with automatic payment
  • Additional 0.10% for members who pay automatically using Power Perks Checking+
  • Local decisions and personal service

Before you head to the dealer, download our Car-Buying Checklist.

Get the Checklist

Apply today!

Offer ends July 31, 2026.

Apply Online about
Call 831-425-7708 about
Stop by Any Branch about

*Interest accrues from loan funding and is added to the loan balance. Not all loans qualify. **APR = Annual Percentage Rate. The rate quoted is available for a FICO score of at least 740 for up to 48 months and includes a 0.25% rate discount for automatic loan repayment. Other rates and terms available. Certain restrictions apply. Rates are subject to change without notice.

+Members who use Power Perks Checking for automatic payment will get an additional 0.10% off their rate. The offer is only good for vehicles funded between May 20 and July 31. Existing SCCCU vehicle loans are not eligible for this offer.