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.
Terms and Conditions: APR = Annual Percentage Rate. Includes a .25% discount for Direct Deposit from a payroll entity, combined with auto pay from a TCCU account. All loans are subject to approval. Rates, terms, and conditions are subject to change. Auto loan rates vary depending on your overall qualifications, credit, collateral, and requested terms. Additional discounts are available.
Rates are accurate as of April 1, 2026!.
All Rates
New & Used Auto Loans
| Model Years | Term | APR |
|---|---|---|
| 2016 or Newer | 36 Months | 4.49% - 18.00% APR |
| 2016 or Newer | 48 Months | 4.49% - 18.00% APR |
| 2016 or Newer | 60 Months | 4.49% - 18.00% APR |
| 2021 or Newer | 72 Months | 4.99% - 18.00% APR |
| 2024 or Newer | 84 Months | 5.25% - 18.00% APR |
| 2024 or Newer | 96 Months | 5.99% - 18.00% APR |
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