Purchasing a new vehicle is exciting and we don’t want you to pay more than you have to for your auto loan.  At University Credit Union, we offer competitive rates and flexible terms to help you stick to your budget and secure the loan you need.


Whether you are purchasing your first vehicle, refinancing your loan, or looking to upgrade your ride, we have the financing and resources for you.


  • Easy online application
  • Competitive rates starting as low as 4.99% APR*
  • Flexible terms
  • First-Time Auto Buyer Program
  • Payment Protection Program
  • GAP Protection
  • Mechanical Breakdown Protection



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Auto Loan Programs

New and Used Auto Loans

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 new or used vehicle, University Credit Union is your go-to option.


Competitive rates and flexible terms help you save money and stick to your budget. Plus, we have online tools to help you find your next ride.


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Auto Loan Refinance

If you have an existing auto loan and you want to pay less each month, you have the option to refinance. As long as your vehicle is 2017 or newer, has less than 100,000 miles, and you owe more than $7,500, you can refinance your loan with rates as low as 4.99% APR. Plus, make no payments for 90 days and set up auto-pay for a 0.25% APR rate discount.1


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First-Time Auto Buyer Program

Are you buying your first vehicle? No problem. We have a program specifically designed for you. While some lenders might see a lack of credit history as a barrier, we see it as a chance to help you build a strong credit history with our first-time auto buyer loan. Secure flexible financing that makes purchasing your vehicle easy and affordable.


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Auto Loan Resources

Auto Loan Rates

Our auto loan rates start as low as 4.99% APR for a new or used auto loan and as low as 7.99% APR for a first-time auto buyer. Whether you’re buying, refinancing, or shopping for the lowest payment, we have the right loan for you.


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Guaranteed Asset Protection

Guaranteed Asset Protection, also known as GAP Insurance, protects your wallet.


We offer Auto Deductible Reimbursement and GAP Advantage. If you’re ever involved in an accident that totals your car or if your vehicle is stolen, GAP insurance will pay the difference between what your insurance company will cover and what you owe.


To make it even better, when you’re ready to replace your vehicle, we’ll send you a $1,000 credit toward your next car.2


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Mechanical Breakdown Protection

Mechanical Breakdown Protection provides a number of benefits if your car is in the shop but you still need to drive. Emergency Roadside Service, a rental car allowance, and battery coverage are included. You can test out this service for 60 days and cancel at any time with a full refund.


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Debt Protection

Your auto loan can become a financial burden if an unfortunate life event happens. If you lose your income, your ability to work, or something worse, our ConsumerSafe Plus Borrower Security Program protects your loans and assets by canceling your loan payment obligations up to the maximum allowed. Give yourself peace of mind by securing debt protection in case an unexpected life event takes place.


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Auto Buying Services

We don’t just help you with your financing. We also want to make finding your car easier and more affordable.


  • Autoland: Save an extra 0.25% APR3 when you buy your vehicle with Autoland and finance with University Credit Union
  • Enterprise: UCU has partnered with Enterprise Car Sales to offer you quality vehicles 1-3 years old that are sold at a fair and transparent price
  • AutoSmart: Take control of your car-buying process by searching 8,500 participating dealerships and comparing vehicles


Frequently Asked Questions About Auto Loans


Refinancing? Purchasing your first vehicle? Upgrading your car? While the auto loan process can feel complicated and overwhelming, we strive to make it simple, so no question is too big or too small. Here are some frequently asked questions we receive about getting an auto loan.


If you don’t see an answer to your question, contact us. A member of our team will be glad to help you.

How do I apply for my auto loan?

All you have to do is fill out our simple online auto loan application. We will then look at your application, credit report, and other factors to determine whether you meet the eligibility requirements and the terms you qualify for based on your application.


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What if I don’t have credit?

We don’t punish you while you’re building your credit. Everyone has to start somewhere. Our First-Time Auto Buyer Program is designed specifically for you if you don’t have credit because it helps you build yours.


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How do I refinance my auto loan?

If you currently have an auto loan, but you want to reduce your monthly payment or interest rate, refinancing your loan is probably your best option. Refinancing your auto loan with a lower interest rate can save you hundreds of dollars over your loan term, so your vehicle is more affordable. 


All you have to do is submit your application as you would for a new auto loan application, and we will let you know if you qualify and the terms you’ll receive. The new loan will pay off your current loan, and we will be your new lender.


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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.