Benefits of financing your car with UCU
Your perfect car is out there, and we want to help you get it. Whether it's 4-wheels, 2-doors, an SUV, or a hybrid, we offer car loans to get you moving. And when it comes to financing your vehicle, we’ve got plenty of reasons you should consider University Credit Union as your go-to option.
Our competitive rates and flexible terms will help you save money and stick to your budget. Plus, we have an easy online application, additional rate discounts, no payments for 90-days, and more.
Up to 0.50% APR Discount
0.25% when you sign up for auto pay1 and 0.25% for repeat borrowers.2
Online Application
Complete the whole process anytime, anywhere.
No Payments for 90 Days
Defer your loan payments for up to 90 days.3
Easy Process
Apply in 3 easy steps.
Optional GAP & Mechanical Breakdown Coverage
We’re here to reduce or eliminate losses in the case of an accident or breakdown.
24/7 Support
Our virtual assistant, Royce, is here to help you get your questions answered quickly.
You qualify for a loan if
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The year of your vehicle is 2016 or newer
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Your vehicle has less than 100,000 miles
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The year of your vehicle is 2016 or newer
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Your vehicle has less than 100,000 miles
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The year of your vehicle is 2016 or newer
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Your vehicle has less than 100,000 miles
Getting started is easier than you might think
You can complete the whole loan process anytime, anywhere!
| Step1 |
Fill out our easy online application.
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| Step2 |
UCU reviews your application.
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| Step3 |
Once approved, you can purchase your vehicle!
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Get Started
Member Testimonial
"As a recent college graduate, I was very nervous about purchasing my first car. Luckily UCU made it a very simple, efficient and easy-going process that left me with all my questions answered."
- Joel O.
First-Time Auto Buyers Program
Our First-Time Auto Buyer Program gets you into your dream car even if you don’t have an extensive credit history. Benefits of this program include:
- Competitive rates and manageable terms.
- Great way to establish your credit history.
- Auto buying service to help you find a great deal on your dream car.
This is a great option for members who have limited or no credit history, but not negative credit. Click to learn more.
Learn More
Car buying and loan resources
Auto Buying Services
There's a better way to shop for a vehicle, and we want to make your next car-buying experience stress-free. Work with Autoland, Enterprise, or AutoSmart - and they’re all partners committed to helping our members.
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Auto Insurance
Get the protection you need at an affordable price. Backed by more than 80 years of working with credit unions and their members, you can count on TruStage® to help protect what matters most.
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GAP Insurance
We'll pay the difference between the amount your car insurance covers and the remaining balance on your auto loan in the event of a total loss.
Learn More