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.

SubPage Categories

You qualify for a loan if

  • The year of your vehicle is 2016 or newer

  • Your vehicle has less than 100,000 miles

  • The year of your vehicle is 2016 or newer

  • Your vehicle has less than 100,000 miles

  • The year of your vehicle is 2016 or newer

  • 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!



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.


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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.

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Mechanical Breakdown Protection

No hassles. When you break down, our mechanical breakdown coverage is like a good friend who helps you out of a jam.

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