Low Rate Loans in San Diego

Low rates and easy financing terms will help you find the loan in San Diego that fits your lifestyle and budget, so trust Mission Fed for credit union loans that suit your needs—from Mortgage and Home Equity Loans, to Short-Term Loans or a Credit Card. Apply for one of our credit union loans in San Diego, CA today!

Find a loan that meets your needs

Other Features and Services of Our Credit Union Loans

Why you should get a loan at a credit union vs. other lenders

At Mission Fed Credit Union, we make the process of applying for loans in San Diego simple. We offer various loan amounts and a number of ways to apply—whether online, over the phone, or in person with knowledgeable and experienced staff. Mission Fed underwrites and services its loans in-house rather than outsourcing to a regional office like many other lenders. We are here to help you every step of the way. Because of this, you get personalized, local service with our loans, and processing can be faster than it would be with another lender. Since we are member-owned and not-for-profit, interest rates are typically much lower on our federal credit union loans. And, if you find yourself in the position to repay the loan early, you won’t be charged prepayment penalties. At Mission Fed, we put people before profit and are here to help you reach your short-term financial goals as well as your long-term goals.

What to consider before applying for San Diego credit union loans

When you look into applying for a loan, there are a few things to consider to help find the right loan for you. Pay attention to:

  • Loan amount: How much money are you borrowing and what’s your down payment?
  • Annual Percentage Rate (APR): What’s the APR for this loan?
  • Loan term: How long is the loan term, will the payment be manageable?

Depending on each of these factors, you’ll be able to figure out how much interest you’ll be paying over time and whether the loan payment fits within your budget.

How to apply for a loan

Mission Fed makes it easy to apply for a loan when you need money. First, decide which loan meets your needs. Then, complete the Mission Fed Credit Union loan application online, over the phone or in person at one of our conveniently located branches. To apply online, simply click one of the links below to go to the product page for the loan you’re looking for and click the “Apply Now” button. You can also make an appointment to apply in person by clicking the “Make an Appointment” button on the appropriate loan page. To complete the loan application over the phone, call 800.500.6328 to speak to one of our loan experts. We look forward to assisting you with your financial goals!

All loans subject to approval. Rates, terms and conditions apply and are subject to change without notice.


Many things have changed for me in the last 18 years. My car, my home, my job, even my family has changed. But not my bank. Mission Federal hasn’t changed on me, it has grown with me. Thank You, Mission Federal. I count on you more than you know.-Chris R.


Auto Loans

Whether you are buying a new or pre-owned car, Mission Fed has an Auto Loan for you! Mission Fed Auto Loan options include flexible terms and no penalties if you repay the loan early. We can even help you refinance your existing auto loan. Our Auto Loans are designed to serve you, with Low Rates every day and an easy online application.

Home Loans and Commercial Real Estate Loans

Mission Fed has many Home Loan options, including Jumbo Loans, a variety of flexible loan terms, adjustable and fixed rate loans and interest only loans. We can also help you with competitive rates, low down payment loans, options tailored to your budget and first-time homebuyer programs. Mission Fed also provides Commercial Real Estate Lending for purchasing or refinancing Commercial and Multi-family properties in Southern California.

  • Conventional and Jumbo Home Loans
  • First-time homebuyer loans
  • Fixed and Adjustable Rate Mortgages
  • Interest only loans
  • Investment properties up to four units
  • Focused attention from dedicated professionals
  • Compare our low loan rates!

Home Equity Loans and Lines of Credit

You can turn the equity in your home into cash for large purchases, consolidating debt, home improvements and more with a Home Equity Loan from Mission Fed, which gives you the cash up front with a secure, fixed rate for the lifetime of the loan. A Home Equity Line of Credit (HELOC) is another option, providing you with flexible access to funds now and in the future based on the equity of your home, so that you can draw from it at any time.

  • Flexible options to borrow from the equity in your home
  • Lower interest rates than most other loan options
  • No additional fees to start using your HELOC
  • Access your HELOC with a Platinum Debit Card or Mission Fed Equity Checks

Credit Cards

Mission Fed offers Credit Card options with competitive rates and great benefits. Choose a Preferred Platinum or Preferred Platinum Rewards Mastercard with low rates, no annual fee, contactless payments, and many other benefits. With the Preferred Platinum Rewards Credit Card, earn cash back, gift cards, merchandise, airline tickets, and much more. Plus 20,000 Bonus Mission Rewards points when you make $1,000 in net purchases in the first 90 days of Preferred Platinum Rewards Credit Card account opening.


Ready to become a credit union member of Mission Fed? Start today by opening a checking account or savings account.

Learn More About Mission Fed’s Credit Union Loan Options with These Great Blog Posts!

5 tips and an infographic for buying a new (or used) car: What should you consider before buying a new or used car? Check out this blog post and accompanying infographic to learn the best time to buy a car, how to get a good value on your trade-in, the differences between pre-owned cars and certified pre-owned cars and which you should seek, tips for securing good financing and some pros and cons of leasing a car.

Mission Fed Loan Options: An Infographic: Throughout our lives, we need various types of loans. Mission Fed is ready to support your financial goals, from buying a house or car, to remodeling your home, to purchasing commercial real estate. This handy infographic outlines the benefits of some of the loans that Mission Fed has to offer. Keep these secured loan options in mind as tools that you can use to help you accomplish your goals. At Mission Fed, we’re happy to help.

We’ll Help Guide You on Your Home Buying Journey: Thinking about buying a home? If so, you’re likely doing a lot of research, and the Internet has no shortage of information on the subject. We’ve prepared an infographic to help guide you through the process of preparing yourself for home ownership, from doing your research, to getting financially ready to buy a home, all the way to placing an offer and buying your home. This quick-start guide will help lead you through the journey of becoming a homeowner.

What you should know before deciding on which Credit Card is for you: There are various credit cards on the market with all kinds of “special offer” rates, fees and rewards programs. How do you know which credit card is right for you? What should you look for? This blog post takes you through some points to consider when evaluating credit cards, including interest rates, promotional rates (and their fine print), grace periods, reward programs, annual fees and more.


All loans subject to approval. Rates, terms and conditions apply and are subject to change without notice.

Branch/ATM Locator

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