Work this to your advantage


When the dealer's 0% loan rate financing specials are tempting you to buy a car, resist. See if you can get a rebate instead! Usually dealers will offer low rates or financing, but not both. In most cases, it might be better for you to take the dealer's rebate and then opt for UCU low-rate financing.

Rebates usually help reduce the overall cost of a car (the total of purchase price plus loan interest) because the loan interest will be calculated on a lower loan balance. If it's close, taking the rebate can reduce the overall loan on the car so you owe less.


Apply to be pre-approved before you shop. Apply online

Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.