Rates as low as 1.79% APR
Our Lowest Rate in Nearly 4 Years1

Purchasing a new or used car is an exciting process, and Mission Fed is here to help get you into the car of your dreams. Whether you’re looking to buy from a dealership, a private seller or use a car buying service like Autoland, we offer competitive rates and flexible terms.

Get Auto Loans in San Diego from Mission Fed. You can apply online or in any of our branches with the help of one of our knowledgeable loan experts.

Our goal is to provide you with a credit union car loan in San Diego that gets you into the vehicle of your dreams—while you still feel comfortable with your monthly payment. For car financing in San Diego, you’re in the driver’s seat with Mission Fed.

Auto Loan Features

Check Rates

Applying is Quick and Easy!

Apply online, visit any branch or call us to speak with an Auto Loan Specialist.

Shop with Confidence

Apply for your Auto Loan before you start car shopping so you can shop with confidence, knowing what size budget you’re working with. Once you’re approved, request an Auto Loan Express Check to make the process even easier.

Try our Auto Loan calculator to help estimate your monthly payment. We offer a variety of loan terms so you decide what works best for your budget.

Mission Fed makes it easy for you to apply for a Credit Union Auto Loan on your schedule. Choose from these easy options:

Autoland Car Buying Service

We’ve partnered with Autoland, the nation’s premier new and pre-owned auto buying service, to bring you the ultimate in convenience. Let their experts handle every step of the buying and financing process, including contactless delivery of your new car to you at home or at a branch. Learn more about Autoland or call 800.234.6999 for more info.

Protection for your auto when using our San Diego auto finance services

With member pricing on a wide variety of protection products, you’ll have the extra protection you deserve at a price you’ll love.3

Tools for you to use

Before you buy a car, use these tools to help make your decision:

  • Get a CARFAX® Vehicle History Report™ for only $19.99 (regularly $34.99) through Mission Fed when you call us or visit any branch
  • Look up the Kelley Blue Book value of your current car or the one you’d like to buy
  • Sell your vehicle through Autoland

Car Financing San Diego Insurance

With the right amount of Auto Insurance, you can get behind the wheel with confidence. Mission Fed has partnered with LiveSmart Insurance Services, LLC to offer Auto, Home and Life insurance services to our members3. LiveSmart will do the work for you, getting multiple quotes from major carriers to help make sure you have the right coverage and can save money. Protect your car, boat, motorcycle, RV, ATV, even snowmobile—and get coverage in Mexico. As a financial service provider, we are dedicated to helping you with all of your banking and financial needs.

Or if you’d like to speak with one of our finance experts, feel free to call:
844.895.1650
Monday-Friday: 5am-7pm PT
Saturday: 6am-2pm PT

Auto Loan Guide cover.

Mission Fed Auto Loan Guide

Everything You Need to Know About Auto Loans

  • Understand important loan terminology
  • Information for first-time buyers
  • Mistakes to avoid
  • What to consider when looking for your dream car
  • And more!
Get Your Auto Loan Guide Now

How do car loans work?

We’re here to help you find the right Credit Union Car Loan for you. You have three things to consider when you’re trying to understand how motor vehicle loans work:

  • The loan amount: Know how much you will need to borrow and how much you can afford to put toward a down payment.
  • The APR: Your Annual Percentage Rate can vary based on credit and other qualifications, but a lower APR saves you money.
  • The loan term: While a longer loan term can lower your payment, it can also mean that you end up paying a lot more interest over time.

You’ll want to look for the right balance of term length and loan amount, plus the best APR you can find. This will help you achieve a payment you can afford each month and avoid paying more than you need to in the long run.

Your success is our bottom line, and that means finding the right car and right Credit Union Car Loan for you. At Mission Fed, we make it easy to purchase the vehicle you want with our Auto Loans in San Diego.

With Mission Fed’s flexible financing, competitive rates and prompt credit decisions, you’ll discover how simple and convenient applying for Auto Loans can be. When you get an Auto Loan with us, you’ll enjoy low rates with Mission Fed’s Bottom Line Rates every day. Get started with your loan application and apply for your Online Auto Loan, over the phone, or in person at any of our branch locations. Get ready to hit the road with a Credit Union Auto Loan from Mission Fed.

Want to know more about how car loans work? Get more answers to your car buying and financing questions in our free Auto Loan Guide.

Drive the car of your dreams with San Diego Auto Loans

Get Auto Loans in San Diego from Mission Fed. You can apply online or in any of our branches with the help of one of our knowledgeable loan experts.

Purchasing a new or used car is an exciting process, and Mission Fed is here to help get you into the vehicle of your dreams. Whether you’re looking to buy from a dealership, a private seller or use a car buying service like Autoland, our Auto Loans in San Diego will help prepare you to go about your local car-buying search with confidence.

We offer great rates, flexible loan amounts with terms up to 84 months, and up to 120% financing for your Auto Loan. We also offer convenient payment options, including online, by phone or automatic withdrawal.

Whether you’re a new or existing customer with Mission Fed, our friendly customer service team is here to help with your short- and long-term needs when it comes to Car Loans in San Diego or any of our other financial services. We’ll work closely with you to determine your preferred financing options for a Credit Union Car Loan that works with your budget.

We also offer a variety of other car buying features for our Credit Union Car Loan customers, including Autoland Car Buying Service, Mission Skip-A-Pay for approved customers, a host of insurance products3 and many more benefits.

Our members’ success is our priority. Contact us today to learn more about Auto Loans from Mission Fed and get started today. We look forward to helping you get the right car and right loan for you.

I love Mission Federal because they were THE lowest rate available when I bought my new car. As well, they were so easy and enjoyable to work with when doing the loan process. -David L.

Frequently Asked Questions

  • Applying for a Car Loan with Mission Fed is easy, and with a little preparation, it can be even faster than you might think. You’ll need:

    1. A valid driver license
    2. Your Social Security Number
    3. Date of birth
    4. Current address
    5. Your Mission Fed account information
    6. Your occupation, employer and length of employment with them
    7. Gross monthly income
    8. Financial information regarding current credit accounts and debt

    You may also need the following information, depending on the application:

    1. Previous addresses and the length of residence
    2. Previous employers and the length of employment
    3. An estimate of your general monthly expenses
    4. Your marriage status

    After you’ve gathered these items, you can apply in as little as 10 minutes for our low-rate auto loans by using our fast online application, or by applying over the phone or in person by appointment at any Mission Fed branch. When you apply, you’ll receive a request authorizing the lender, Mission Fed, to get a credit report to confirm the provided information. It’s a good idea to review your credit history before applying so you know what to expect. If your credit isn’t in the shape you’d like it to be, you may need a co-signer.

  • If you’d like to refinance an existing car loan in San Diego, Mission Fed can help. All San Diegans are welcome to apply to refinance with us and save money with our Bottom Line Auto Loan Rates Every Day. Just as you would for any other Auto Loan, simply apply online, by phone or in person with an appointment at any of our branches. The refinancing application process is quick and easy, and you’ll have a response in no time. We can help you save more money with a refinanced Credit Union Auto Loan.

  • Car loans allow you to borrow money from a lender to buy a car. Like other loans, you pay back the borrowed money over time, with interest. Because interest is an essential part of your costs, getting the lowest Annual Percentage Rate (APR) on your loan will save you money over the life, or term, of your loan. Credit Union Car Loans, like Mission Fed’s Auto Loans, often have lower interest rates.

  • When you’re thinking about applying for a Car Loan in San Diego, it’s a good idea to know how much you’re likely to pay each month with today’s interest rates. This Auto Loan Calculator allows you to make adjustments in your potential down payment, interest rate and loan term to help you choose the right Credit Union Auto Loan for you. You can also use it to calculate your monthly payment, total interest paid, how long you’ll make payments on your loan and more.

  • In order to get approved for a Car Loan, you’ll need to provide proof of an adequate and steady income and good credit history to show that you’ll be able to make your monthly payments. In addition to the items listed above in “How to Get a Car Loan,” you may also need to provide proof of insurance, proof of residence and a satisfactory credit rating. Lenders are looking for evidence that you’ll make your monthly payments consistently and on time, so if you’re considering applying for a Car Loan in San Diego soon, make sure you maintain good credit and payment habits. It’s also smart to review your credit history to ensure that you can correct any mistakes and explain any irregularities to lenders if necessary. Review our Credit Guide for more information about how to maintain a positive credit score.

Learn More About Auto Loans in This Blog Post!

Need an Auto Loan? Mission Fed has you covered: It can be easy to get overwhelmed when you’re looking at car loans in San Diego, but Mission Fed can help you get the Credit Union Auto Loan that’s right for you. Wondering, “How do car loans work, anyway?” Let us walk you through everything we offer to make the process as easy as possible.

  1. All loans subject to approval. Annual Percentage Rate (APR) is effective as of 1/15/21. The 1.79% APR includes 36 estimated monthly payments of $28.55 per $1,000 borrowed. APR may differ based on credit history, approved loan amount and term. Offer good on vehicles within the last 4 model years. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. No branded titles or commercial use vehicles will be financed. A valid driver license and current information are required. Other restrictions may apply. First payment may be deferred for up to 90 days for qualified members. Interest will continue to accrue during the deferment period. Terms and conditions apply and are subject to change without notice.
  2. Financing up to 120% based on Manufacturer’s Suggested Retail Price (MSRP) for new vehicles or Retail Kelley Blue Book (KBB) for used vehicles.
  3. Purchase is voluntary and will not affect your application or the terms and conditions of your loan. The products offered are not insured by the NCUA nor an obligation or guaranteed by Mission Federal Credit Union.

More Products & Services

Preferred Auto Dealers

Happy couple who purchasing a new car with a Mission Fed Auto Loan.

Mission Fed has relationships with preferred auto dealers all over San Diego County to make finding...

Preferred Auto Dealers are Mission Fed partners who can help you find the right new or pre-owned car for your needs, along with the convenience of a Mission Fed Auto Loan with our Bottom Line Rates every day. To save even more time and money, ask about our Auto...

Auto Loan Guide

Couple shopping for a new car using the Mission Fed Auto Loan Guide

There’s a lot to learn before buying a new or used car, and Mission Fed’s Auto Loan Guide is here...

There’s a lot to learn before buying a new or used car, and Mission Fed’s Auto Loan Guide is here to help!

Auto Loan Rates as low as 1.79% APR

Two women in front of their car purchased with a loan from Mission Fed.

With rates as low as 1.79% APR, Mission Fed is the right choice for your Auto Loan purchase or refi.

Auto Loans are as low as 1.79% APR at Mission Fed on models 4 years old and newer. This is a limited time offer, so apply today online, by phone or at any branch. All San Diegans are welcome!

Used Auto Loans

Woman insider her car purchased with a Mission Fed auto loan.

If you need a Used Auto Loan, visit Mission Fed today. We offer great Used Car Loan Rates.

If you need a Used Auto Loan, visit Mission Fed today. We offer great Used Car Loan Rates with flexible terms—plus, making your monthly payment is simple.

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