Loan Rates

Rates current as of and subject to change.

90 Days No Payments!
Your credit union family is here for you during the holiday season. That’s why we’ve created a special offer for our members: No Payments for 90 Days on New Auto and Closed-End Personal Loans. A deferred payment start date can help save you money when you need it.

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Subject to credit approval. Other restrictions may apply. See Credit Union for details. Interest will accrue on the loan during the 90-day, no-payment period. Offer expires 12/31/22.

Rates shown are based on a minimum FICO score of 730. APR = Annual Percentage Rate. Stated rate includes .25% discount for automatic payments.

Vehicle Loans
Max Loan TermAPR as low asFinancingPayment Per $1,000 Borrowed
Up to 36 Months 3.74% 100% $29.41
48 Months 3.74% 100% $22.47
60 Months 3.99% 100% $18.42
72 Months 4.49% 100% $15.87
84 Months 4.99% 100% $14.13

Rate increase of .25% for used vehicles. Rate will be discounted by .25% if total financed amount is less than 80% LTV. Purchase transactions up to 125% LTV. All rates and terms may vary depending on credit worthiness and the amount and percentage financed. Please note that vehicle financing is for vehicles in the state of California.

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RV, Boat & Motorcycle Loans
Max Loan TermAPR as low asFinancingMore Info
36-84 Months 6.75% 100% Apply Now

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Personal Loans
Max Loan TermAPR as low asPayment Per $1,000 Borrowed
24 Months 8.75% $45.57
36 Months 8.75% $31.69
48 Months 8.75% $24.77
60 Months 8.75% $20.64
Lines of Credit
Max Loan TermAPR as low asPayment Per $1,000 Borrowed
Variable 9.25% $25.00

Repayment on Lines of Credit is based on 2% of the loan balance at the most recent advance, or $25, whichever is greater.

Early Payday (Payday Loan Alternative)
Max Loan TermAPR as low asFinancingMore Info
Variable 28.00% Not based on credit score Apply Now

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Share Secured Loans
Max Loan TermAPR as low asFinancingMore Info
Up to 60 months Current dividend rate + 3.00% 100% Apply Now
Certificate Secured Loans
Max Loan TermAPR as low asFinancingMore Info
Up to 36 months Current dividend rate + 3.00% 100% Apply Now

Share and Certificate Secured loans are secured by your savings or certificate. Approval and rate is not based on credit score. Repayment of Share and Certificate secured loans is based on the term and amount of the loan. The maximum term for a certificate secured loan is 36 months. The term of the certificate must match the term of the loan.

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We welcome CSULA students, staff and faculty as well as residents from the surrounding communities. Find out your eligibility and join us today!

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We have a loan for almost any situation, so feel free to browse our loan products and services or apply now if you're ready!