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Finance Your Next Car With Us

Auto Loans

Competitive Rates That Put You in the Driver’s Seat

If you’re ready for a new ride, Mission Fed will help you buy your next vehicle. With competitive auto loan rates, flexible terms, knowledgeable specialists and resources you can shop with confidence and get into the car of your dreams.

So You're Ready for New Wheels?

  1. Find the Vehicle You Want

    You have many options to find your next car: choose from a dealership, a private seller or use Mission Fed’s convenient concierge car buying service, Autoland.

  2. Explore Interest Rates

    Check out our low rates and estimate your monthly payment options using our Auto Loan calculator below.

  3. Apply for a Loan

    Start your application online, give us a call or visit one of our 30+ San Diego County branch locations.

  4. Hit the Road and Enjoy! 

Auto Rates

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Auto Rates for Model Years 2013 - 2017

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Auto Loan Calculator

Related Pages

Auto Loan Express Check
Use a Mission Fed Auto Loan Express Check and get a 0.25% rate discount!

Learn More

Rate Break Program
Have less than perfect credit? You may qualify for Mission Fed’s Rate Break Program, which could help you save up to 3% off your rate while you build up your credit.

Learn More

Autoland Car Buying Service
Let the Autoland experts handle every step of the car buying process – including contactless delivery of your car to your home or a Mission Fed branch.

Learn More

Protect Your New Investment
We’ve partnered with LiveSmart Insurance Services, LLC to offer auto insurance to our Mission Fed members. With member pricing, you can feel confident in coverage options.1

Learn More


How do car loans work?

Buying a car is exciting! It’s also a major expense, so you want to make sure you’re prepared and understand the process.

The short answer is that 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.

Whether this is your first car or you’re looking to replace your current car with a new or used one, an auto loan allows you to put yourself behind the wheel with the financial flexibility that makes your car purchase affordable for your budget and lifestyle.

Mission Fed is here to help you through every step of the process. Our Auto Loan Guide will walk you through important items to consider to help you determine the best financing options for you.

Download the guide

What do I need to apply for a car loan?

At Mission Fed, we want to make the car loan process fast and easy. You will be asked to provide personal information such as your name, social security number, current address, employment, and income information. Depending on the application, we may require additional information such as prior address and employment history or other income related information.

Apply online, over the phone or at any Mission Fed branch. When you apply, Mission Fed will review your credit report to see if you qualify for a loan. It’s a good idea to review your credit history to ensure that you can correct any mistakes and explain any irregularities to lenders if necessary, before applying for a loan. Review our Credit Guide for more information about how to help maintain a positive credit score.

How do I refinance a car loan?

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 low everyday Auto Loan rates. Just as you would for any other Auto Loan, simply apply online, by phone or make 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.2

How do you calculate interest on a car loan?

When you’re thinking about applying for a car loan, it’s a good idea to calculate how much you’ll likely pay each month with interest rates. Our Auto Loan calculator helps you easily calculate your monthly payment, total interest paid and how long you’ll make payments on your loan. The calculator is also helpful for making adjustments in your potential down payment, interest rate and loan term to help you budget.3

How do I get approved for a car loan? 

In order to get approved for a car loan, you’ll need to provide proof of steady income and a good credit history to show that you’ll be able to make your monthly car payments. Lenders are looking for evidence that you be consistent in paying your loan each month.

Take a look at the “What do I need to apply for a car loan?” FAQ for a list of items that you’ll need to provide when you apply. You may also need to provide proof of insurance.

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.

employee looking at couple in new car

Let Us Help You

Mission Fed offers convenient services to help you manage your Auto Loan. From researching your next vehicle to taking the first test drive, we want to help you every step of the way.

Make an Appointment 


Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Programs, rate, terms and conditions subject to change without notice. Financing up to 120% based on Manufacturer’s Suggested Retail Price (MSRP) for new vehicles. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the payment deferral period. Loan amounts and terms based on age, mileage and condition of vehicle. Restrictions apply.

A valid driver license and current insurance information are required. No branded titles or commercial use vehicles will be financed, and other restrictions may apply. Terms and conditions apply and are subject to change without notice.

1 Purchase is voluntary and the products offered are not insured by the NCUA nor an obligation or guaranteed by Mission Federal Credit Union.

2 On refinances of Mission Fed auto loans, a fee may apply.

3 Calculator information is provided for general and educational purposes.  All information is hypothetical. Actual rates, payments and costs may be different.