Learn about all the perks of having your car financed at Cabrillo.

Yes. Log in to your eBranch, then request to change payment frequency. After submitting the request, we will review your request and contact you back online. Payment frequency change will not be processed until a Loan Addendum aka Advance Receipt has been signed by you.

Yes. We can finance your initial registration on newly purchased vehicle and every year thereafter, as long as you have the loan with Cabrillo. Upon request, we add the DMV costs to your loan principal.

Note: You will be required to sign a new Advance Receipt each time you a DMV Add-on.

You can schedule as many one-time payments as you'd like, as often as you'd like.

We do better than that! We guarantee that we can either meet or beat other auto loan rates, but if we can’t, then we give you $50.

Depending on state laws, paper titles are generally mailed and electronic titles and/or liens are released to the motor vehicle agency approximately 10 business days after the payoff is received. Allow 15-30 days for receipt of your title based on mail time and/or motor vehicle agency process.

There may be several reasons the banner is not displayed on your account. As an example, the loan due date might not be reflecting a December due date yet or the checking/savings account balance may be overdrawn, to cite two reasons. Please call us at 800.222.7455 if you have further questions regarding skip qualifications.

One of our requirements is that you provide adequate insurance coverage on the property securing your loan.  This insurance must at least provide comprehensive and collision coverage.  The policy must contain a loss payable clause endorsement naming the lender, Cabrillo Credit Union as lienholder.  This insurance must remain in force for the entire term of the loan. If you change insurance provider, send us a new insurance binder showing Cabrillo Credit Union as the loss payee.

Most states require that your vehicle be re-titled, and all states require that your vehicle be re-registered in your new state. Please contact your state or county titling authority to determine the specific requirements in your area. Let them know that you have a financed vehicle, and provide us with written information about your local titling authority's requirements.

Cabrillo Credit Union must be listed as legal owner of the vehicle on all title and registration paperwork. You are responsible to pay all fees and expenses associated with this transaction. If the vehicle must be re-titled, the state generally requires that the title-holder submit the original title in order to secure a new Certificate of Title.

If Cabrillo Credit Union holds the title, your local titling authority sends us (or provides you with) a request that Cabrillo Credit Union forward the title to them. You also need a Power of Attorney to re-title your vehicle. Please contact us at the number below to request this document.

In case your local titling authority needs to contact us, here is the contact information to use:

Cabrillo Credit Union
3710 Ruffin Rd.,
San Diego, CA 92123
Phone: 800.222.7455
Attention: Titles

No. Cabrillo does not enforce prepayment penalties.

Your loan approval and interest rate are locked in for 30 days from the date of your original loan approval.

Please provide the following address to your insurance company:

Vehicle Loans:

Lienholder 3722
Cabrillo Credit Union
Insurance Center
9311 San Pedro, Suite 600
San Antonio, TX 78216

Mortgage/HELOC Loans:

Cabrillo Credit Union
PO BOX 261169
San Diego, CA 92196-1169

View our competitive rates

The insurance deductible cannot exceed $500.00 for comprehensive or $500.00 for collision coverage.

Log in to your eBranch to request a Payoff quote. or give us a call at 800.222.7455.

P.O Box Address:

Cabrillo Credit Union
PO BOX 261169
San Diego, CA 92196-1169
Attention: Payoff

Payoff Physical Address (Overnighting Certified Funds):

Cabrillo Credit Union
3710 Ruffin Rd.,
San Diego, CA 92123
Attention: Payoff