Loan Rates
This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with Torrance Community Credit Union.
Ask about additional discounts, including Beat Your Rate and Fuel-Efficient Vehicles. Rate differential is based on credit score. If the loan to value is equal to 100%, then the "Up to" rate will be offered. Rates are subject to change without notice. The minimum payment is $100.00.
Rates are accurate as of July 28, 2023.
*Auto rates shown include a 0.25% reduction with Direct Deposit from a Payroll entity and AutoPay.
All Rates
New & Used Auto Loans
Up to 100% LTV (100% or less loan to value & includes motorcycles)
| Terms | 720+ | 680-719 | 640-679 | 600-639 | 550-599 | 0-549 |
|---|---|---|---|---|---|---|
| Up to 24 mos | 3.50% | 4.00% | 7.00% | 11.00% | 15.00% | 18.00% |
| Up to 36 mos | 4.50% | 5.00% | 8.00% | 12.00% | 16.00% | 18.00% |
| Up to 48 mos | 4.75% | 5.25% | 8.25% | 12.25% | 16.25% | 18.00% |
| Up to 60 mos | 5.00% | 5.50% | 8.50% | 12.50% | 16.50% | 18.00% |
| Up to 72 mos | 5.50% | 6.00% | 9.00% | |||
| Up to 84 mos | 5.75% | 6.25% | 9.25% | |||
| Up to 96 mos | 6.00% | 7.50% | 9.50% | |||
| Up to 108 mos | 6.50% | 7.00% | 10.00% |
Over 100% LTV (includes motorcycles)
| Terms | 720+ | 680-719 | 640-679 | 600-639 | 550-599 | 0-549 |
|---|---|---|---|---|---|---|
| Up to 24 mos | 3.75% | 4.25% | 7.25% | 11.25% | 15.25% | 18.00% |
| Up to 36 mos | 4.75% | 5.25% | 8.25% | 12.25% | 16.25% | 18.00% |
| Up to 48 mos | 5.00% | 5.50% | 8.50% | 12.50% | 16.50% | 18.00% |
| Up to 60 mos | 5.25% | 5.75% | 8.75% | 12.75% | 16.75% | 18.00% |
| Up to 72 mos | 5.75% | 6.25% | 9.25% | |||
| Up to 84 mos | 6.00% | 6.50% | 9.50% | |||
| Up to 96 mos | 6.25% | 6.75% | 9.75% | |||
| Used Vehicles Only Up to 108 mos | 6.75% | 7.25% | 10.25% |
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