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.



0.50% APR Discount

Up to 0.50% APR Discount

0.25% when you sign up for auto pay1 and 0.25% for repeat borrowers.2

Online Application

Online Application

Complete the whole process anytime, anywhere.


No Payments for 90 Days

Defer your loan payments for up to 90 days.3

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Easy Process

Apply in 3 easy steps.

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Optional GAP & Mechanical Breakdown Coverage

We’re here to reduce or eliminate losses in the case of an accident or breakdown.

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24/7 Support

Our virtual assistant, Royce, is here to help you get your questions answered quickly.

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You qualify for a loan if

  • The year of your vehicle is 2017 or newer

  • Your vehicle has less than 100,000 miles

  • The year of your vehicle is 2017 or newer

  • Your vehicle has less than 100,000 miles

  • The year of your vehicle is 2017 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

"The UCU employees went above and beyond to assist us, knowing we were in a stressful situation moving our daughter across the country and for her first time ever and purchasing a vehicle. What was an extremely stressful situation was made much more tolerable with their patience and dedication in assisting us. A HUGE THANK YOU to them!!!! My daughter is thriving in her new environment and loves her new vehicle."

-Heidi W.

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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Extended Auto Coverage

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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Guaranteed Asset Protection

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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