Vehicle Loans 

Thinking about buying a new or used auto or truck? You’ve come to the right place. Our budget-friendly rates and terms make it easy to find a payment that fits your needs, without all the hassle and confusion of negotiating with a dealer.

Get pre-approved first with the Credit Union, shop with confidence knowing exactly what your payments will be, and we’ll finance your loan for you!

  • Auto Loans

    Whether you’re cruising or commuting, Cal Bear makes it easy to drive away with a great loans for your next new or pre-owned vehicle. If you already have a car loan, we may be able to help you lower your monthly payment by refinancing your loan at a rate and term that fits you better.
    • Up to 120% financing
    • No application fees
    • Flexible terms up to 84 months
    • Fast and convenient online loan document signing
    We can also help you protect both your vehicle and your budget with great rates on GAP insurance and Mechanical Breakdown Protection. Our prices are often lower than most car dealers!

    Estimate Your Payment

    Our low rates and numerous payment options to fit your budget. You can use the online calculator in the Resources section to estimate your loan payment and find out how much car you can afford.
    Estimated payment example: Loan Amount (New Car) 84 months at 4.25% APR 72 months at 3.75% APR 60 months at 3.25% APR
    $20,000 $275.68 $310.63 $361.60
    $25,000 $344.60 $388.29 $452.00
    $30,000 $413.53 $465.95 $542.40
    $35,000 $482.45 $543.60 $632.80
    Each additional $1,000 will increase your payment by: $13.78 $15.53 $18.08

    Click here to download a Loan Application

    You can also apply by visiting a branch or calling us at 800-954-BEAR (2327) .

    As low as rate is based on A-tier credit. Actual rates based on credit score. Standard APRs* apply for auto loans outside this promotion. All loans subject to credit approval.
  • Auto Rates

    New Auto Loans

    Credit Score 60 Month Fixed APR 61-72 Month Fixed APR 73-84 Month Fixed APR
    Credit Score 700+ 3.25% 3.75% 4.25%

    Used Auto Loans

    Credit Score 60 Month Fixed APR 61-72 Month Fixed APR 73-84 Month Fixed APR
    Credit Score 700+ 3.75% 4.25% 4.75%
    Loans of $19,999.99 or less, maximum term up to 60 months
    Loans of $20,000 or more, maximum term up to 72 months
    Loans of $30,000 or more, maximum term up to 84 months
  • Other Vehicle Rates

    New Boat Loans

    Credit Score 60 Month Fixed APR 61-72 Month Fixed APR 73-84 Month Fixed APR
    Credit Score 700+ 6.75% 7.25% 7.75%
    Credit Score 660-699 7.20% 7.70% 8.20%
    Credit Score 640-659 9.25% 10.25% 11.25%
    Credit Score 600-639 N/A N/A N/A
    Credit Score 599-below N/A N/A N/A
    See manager for terms over 84 months. Max 144-month term subject to amt financed & credit history
    Max LTV 90%. Remember to quote APRs for appropriate terms. Maximum loan amount is $150,000.

    New Motorcycle Loans

    Credit Score 60 Month Fixed APR 61-72 Month Fixed APR
    Credit Score 700+ 6.75% 7.25%
    Credit Score 660-699 7.20% 7.70%
    Credit Score 640-659 9.25% 10.25%
    Credit Score 600-639 15.25% N/A
    Credit Score 599-below 18.00% N/A
    Loans of $20,000 or less, max term up to 60 mos. Loans of $20,001-$35,000 max term up to 72 mos. Max LTV 90%. Quote APRs & terms.
    NOTE: For auto equity loans based on retail amount, car must be no older than 2010 (5 years from current model year). If car is older than 5 years, auto equity loan will be based on wholesale amount. Qualifying vehicles in this case can’t be older than 2005 (10 years from current model year).
    The following applies to all auto, motorcycle, boat and RV loans: *Vehicle is considered new if it does not exceed 12 months from the date of purchase and if has less than 2,000 miles. **MAX LTV includes taxes, D&H, warranty, insurance, & LoJack. If no Kelley Blue Book available, a “like invoice” may be used to determine the vehicle value. These LTVs are only to be used for the new/used vehicle – not applicable to older vehicles.
  • Resources

    By taking the time to properly plan and prepare for buying a car, you could save hundreds or even thousands of dollars. We’re here to help you feel confident in your vehicle purchase decision, because the right monthly payment makes it easier to drive happily off into the sunset!


    Tip #1: Get preapproved! As a cash buyer, you’ll have greater negotiating power plus you’ll know exactly what you can spend (and what it means in terms of monthly payments).
    Tip #2: Small numbers matter. 1% might not seem like much, but when it comes to your interest rate a 1% difference can mean serious savings over time.
    Tip #3: Put some cash down. Putting money down on your purchase reduces the amount you need to borrow, which ultimately reduces the amount of interest you’ll pay.
    Tip #4: Pay a little extra each month. If you have room in the budget, paying extra can help you reduce your loan balance and pay off your loan faster.


    Save a few bucks and help save the planet with a vehicle that maximizes fuel efficiency! See the EPA’s Fuel Economy Guide.


    Calculate Your Loan Payment

    Enter the term, rate and loan amount; the loan payment will be calculated for you.



    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Let Auto Quest Advisors Find your Car!

We’ve partnered with Auto Quest Advisors, a premium car-buying service that will take the hassle of the dealership off your hands. We invite you to work with Tiffanie @ Auto Quest Advisors. Tell her the year, the make and model of your dream car, and she’ll not only find you a great deal, but she’ll have the vehicle delivered to your work or home! No more pushy car salesman, no finance department, no wasting hours of your time at the dealer…Auto Quest Advisors will handle everything for you. Contact Tiffanie at (310) 497-9702 or link to their website here: