Auto Loans · San Luis Obispo, California

Best Credit Union Car Loan Rates in San Luis Obispo, California

2 credit unions in San Luis Obispo report car loan rates to the NCUA. Rates range from 5.08% to 7.20%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

5.08%

Lowest New Car Rate

6.14%

City Average Rate

New Vehicle Loan Rates — San Luis Obispo, California

2 credit unions sorted by APR

#	Credit Union	New Car APR	Used Car APR
1	SLO	5.08%	7.70%
2	SESLOC ★ 3.6 · 146 reviews	7.20%	6.90%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — San Luis Obispo, California

2 credit unions sorted by APR

#	Credit Union	Used Car APR	New Car APR
1	SESLOC ★ 3.6 · 146 reviews	6.90%	7.20%
2	SLO	7.70%	5.08%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a San Luis Obispo credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in San Luis Obispo in the same window and take the best offer.

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