Auto Loans

Get San Diego Auto Loans from Mission Fed.

You can apply online or in any of our branches with the help of one of our knowledgeable loan experts.

PAYMENTS AS LOW AS $298 On a $20,000 Auto Loan

Our goal is to provide you with a Credit Union Auto Loan that gets you into the car of your dreams—while you still feel comfortable with your monthly payment.

For Auto Loans in San Diego,

you’re in the driver’s seat with Mission Fed.

Auto Loan Features

Check Rates

Speak with an Auto Loan Specialist

Get all your questions answered and see how easy it is to get started.

Call 800.500.6328

How to apply for an Auto Loan

Apply for a Credit Union Auto Loan before you start car shopping so you can shop with confidence, knowing what size budget you're working with.

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 an extensive database of vehicles with the features and pricing you want. Their experts will handle every step of the buying process and deliver your new car to you. Learn more about Autoland or call 800.234.6999 for more info.

Protection for your auto

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

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

Auto 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 members. 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.

Or if you’d like to speak with a representative, feel free to call:
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 a new 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 car 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 and apply for your Online Auto Loan, or apply 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

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 terms from 36 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 products† 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.

Learn More About Auto Loans with These Great Blog Posts!

Your auto-buying experience is our bottom line: Need a car loan in San Diego but don’t know where to start your auto-buying experience? We’re here to help! Read VP Consumer Lending Operations Liz Schrock’s blog on what you need to consider when buying a car, and why getting an Auto Loan with Mission Fed makes the experience a smooth ride.

5 tips and an infographic for buying a new (or used) car: Besides choosing a San Diego Auto Loan from Mission Fed, you have other decisions that will shape your car-buying experience. Whether it’s your first car or you’re ready to look for new wheels, let Mission Fed help you with these five tips and an infographic on your roadmap to buying a new or used car.

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.

Mission Fed Loan Options Infographic: Curious about what Mission Fed offers besides car loans? This infographic provides a quick glimpse into how Mission Fed can assist you with your other financial needs.

APR= Annual Percentage Rate and may vary based on credit and collateral qualifications. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. All loans subject to approval. A monthly payment of $298 is based on a $20,000 Auto Loan at a rate of 4.59% APR for 78 months on models 4 years old and newer. $18,000 minimum loan for 78-month term. Pre-approvals are valid for a limited time. Rates and terms may vary based on credit history and underwriting factors. Financing up to 100% based on Retail Kelley Blue Book for used vehicles and MSRP for new vehicles. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the deferment period. No branded titles or commercial use vehicles will be financed. A valid driver license and current insurance are required at the time of financing. Restrictions may apply. Programs, rates, terms, conditions and services are subject to change without notice. 12/18

†Mission Fed has partnered with third party providers to offer products and services. Purchase is voluntary and will not affect your application or the terms and conditions of your loan. The insurance offered is not insured by the NCUA nor guaranteed by Mission Fed. Please refer to individual product links for additional information.

Auto Insurance products are offered by LiveSmart Insurance Services, LLC (California insurance agent license number 0L79819) a subsidiary of Mission Federal Services, LLC. Mission Federal Services, LLC is a wholly owned affiliate of Mission Federal Credit Union. Insurance Products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Mission Federal Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice. 1/18

More Products & Services

Auto Loan Rates as low as 2.99% APR

Photo of a happy couple enjoying their new SUV that they got with a Mission Fed Auto Loan.

With rates as low as 2.99% APR, Mission Fed is the right choice for your Auto Loan purchase or refi.

Auto Loans are as low as 2.99% 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

Photo of father and daughter with their user car purchased with a Mission Fed used 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.


Preferred Auto Dealers

Photo of a 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...


Other Loans

Photo of a happy woman with a Mission Fed loan

Mission Fed has you covered not just with Auto and Home loans, but with a variety of other loans so...

Mission Fed has you covered not just with Auto and Home loans, but with a variety of other loans so you can pay attention to your interests instead of the interest you’re paying.


Branch/ATM Locator

Search for Mission Fed Branches and ATMs, or 30,000 CO-OP Network ATMs Nationwide