Auto Loans · El Cajon, California
2 credit unions in El Cajon report car loan rates to the NCUA. Rates range from 4.38% to 8.25%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.38%
Lowest New Car Rate
6.32%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | EMPLOYEES CHOICE ★ 4.5 · 8 reviews | 4.38% | 4.38% |
| 2 | EAST COUNTY SCHOOLS ★ 3.5 · 20 reviews | 8.25% | 8.45% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | EMPLOYEES CHOICE ★ 4.5 · 8 reviews | 4.38% | 4.38% |
| 2 | EAST COUNTY SCHOOLS ★ 3.5 · 20 reviews | 8.45% | 8.25% |
A pre-approval from a El Cajon credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in El Cajon in the same window and take the best offer.
See member reviews, branch locations, and full rate details.