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 March 11, 2021.
*Auto Rates Shown include 0.25% reduction with Direct Deposit from a Payroll entity and AutoPay.
NEW & USED AUTO LOANS
| New & Used Auto Loans | Terms | 720+ | 680-719 | 640-679 | 600-639 | 550-599 | 0-549 |
|---|---|---|---|---|---|---|---|
|
Up to 100% LTV (100% or less loan to value) (Includes motorcycles) |
UP TO 24 MOS | 1.00% | 1.50% | 4.50% | 8.50% | 12.50% | 17.50% |
| UP TO 36 MOS | 2.00% | 2.50% | 5.50% | 9.50% | 13.50% | 18.00% | |
| UP TO 48 MOS | 2.25% | 2.75% | 5.75% | 9.75% | 13.75% | 18.00% | |
| UP TO 60 MOS | 2.50% | 3.00% | 6.00% | 10.00% | 14.00% | 18.00% | |
| UP TO 72 MOS | 3.00% | 3.50% | 6.50% | - | - | - | |
| UP TO 84 MOS | 3.25% | 3.75% | 6.75% | - | - | - | |
| UP TO 96 MOS | 3.50% | 4.00% | 7.00% | - | - | - | |
| UP TO 108 MOS | 4.00% | 4.50% | 7.50% | - | - | - |
| New & Used Auto Loans | Terms | 720+ | 680-719 | 640-679 | 600-639 | 550-599 | 0-549 |
|---|---|---|---|---|---|---|---|
|
Over 101% LTV (101% or less loan to value) (Includes motorcycles)
(Up to 108 used only) |
UP TO 24 MOS | 1.25% | 1.75% | 4.75% | 8.75% | 12.75% | 17.75% |
| UP TO 36 MOS | 2.25% | 2.75% | 5.75% | 9.75% | 13.75% | 18.00% | |
| UP TO 48 MOS | 2.50% | 3.00% | 6.00% | 10.00% | 14.00% | 18.00% | |
| UP TO 60 MOS | 2.75% | 3.25% | 6.25% | 10.25% | 14.25% | 18.00% | |
| UP TO 72 MOS | 3.25% | 3.75% | 6.75% | - | - | - | |
| UP TO 84 MOS | 3.50% | 4.00% | 7.00% | - | - | - | |
| UP TO 96 MOS | 3.75% | 4.25% | 7.25% | - | - | - | |
| UP TO 108 MOS | 4.25% | 4.75% | 7.75% | - | - | - |