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Vehicle Loans
Rev up your ride with vehicle loan options from UCU. We can help you purchase your first vehicle, upgrade to a new one, or refinance your existing auto loan.
When it comes to your loan, we’re putting you in the driver’s seat. At UCU, we offer competitive rates and flexible terms designed to help you stick to your budget and achieve your financial goals.
Benefits of a UCU Auto Loan.
Your perfect car is out there, and we want to help you get it. Whether it's a compact, sedan, SUV, or a hybrid, our auto loans are competitive and ready for you.
Vehicle loans for everyone.
New and used auto loans
Whether it's the newest model or a reliable used car, we offer auto loans to get you from point A to point B at a price you can afford.
New and used auto loans
Auto loan refinance
Refinance your auto loan and cruise away with extra savings. Enjoy competitive rates, plus make no payments for 90 days and set up auto-pay for a 0.25% APR rate discount.1
Auto loan refinance
First-time auto buyer loans
Buying your first car is exciting. Some lenders view a lack of credit history as a barrier, but we see it as a chance to help you build a strong credit history with our first-time auto loan.
First-time auto buyer loans
Auto buying services
We make buying cars easy. Competitive rates and flexible vehicle loan terms help you save money and stick to your budget. Plus, we have online tools to help you find your next ride.
Auto buying services
Guaranteed Asset Protection (GAP)
Get peace of mind with this coverage. If your car is totaled or stolen, GAP pays the difference between what insurance covers and what's owed. You can even get a $1,000 credit toward your next car.2
Guaranteed Asset Protection (GAP)
Mechanical Breakdown Protection (MBP)
MBP includes Emergency Roadside Service, a rental car allowance, and battery coverage in the event that your car breaks down and you need help or a loaner. Test it out free for 60 days!
Mechanical Breakdown Protection (MBP)
Auto loan debt protection
If an unfortunate life event happens, our debt protection program provides peace of mind, canceling your loan payment obligations up to the maximum allowed when you need it most.
Auto loan debt protection
Depreciation Protection Waiver (DPW)
Protect your positive equity. DPW covers the depreciation of your vehicle. In the event of a total loss or theft, DPW provides a benefit to help recover some of your costs.
Depreciation Protection Waiver (DPW)
Whether you're purchasing your first car, upgrading to a newer vehicle, or exploring ways to lower your current payment, UCU offers financing options designed to fit a variety of borrowing needs.
If You Want To...
Recommended Option
Purchase a new vehicle
Purchase a used vehicle
Buy your first vehicle with limited credit history
Lower your current monthly payment
Build credit through responsible borrowing
Purchase a recreational vehicle, motorcycle, RV, or boat
How much vehicle can I afford?
Before purchasing a vehicle, it's important to consider more than just the monthly payment.
Factors that may affect affordability include:
A vehicle budget should fit comfortably within your broader financial goals and monthly expenses. Explore your options with a personalized plan by booking a 1-on-1 appointment with a certified expert at UCU.
UCU makes finding your new or used car easier and more affordable. We currently partner with Autoland, Enterprise Car Sales, and Autosmart to help you get the best car and the best deal.
If you have an auto loan but want to reduce your monthly payment or interest rate, refinancing your loan could be your best option. Refinancing at a lower interest rate can save you hundreds of dollars over your loan term.
We’re here to support you while you’re building your credit. Our first-time auto buyer program is designed specifically for you if you don’t have a credit history because it helps you build yours as you make regular payments.
Start by filling out our simple online auto loan application. We will then review your application, credit report, and other factors to determine whether you meet the eligibility requirements and the terms you qualify for.
Before selecting a vehicle, consider the total cost of ownership, including:
Choosing a vehicle that fits comfortably within your overall budget can help support long-term financial success.
Yes. UCU offers financing options designed specifically for first-time buyers and borrowers who are building or establishing credit.
Many borrowers refinance to potentially lower their monthly payment, adjust loan terms, or take advantage of improved credit qualifications.
Check your loan application status.
Already applied for a loan with UCU? Log into our application portal to check your loan application status and upload any supporting documents.
Check your loan application status.
Make loan payments your way.
Whether you want to set up automatic payments, make a quick transfer, or submit a one-time payment, we have options designed to fit your schedule.
Make loan payments your way.
*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old and newer.
1Payment can be deferred for 90 days, however, interest will accrue from the date of the contract. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Rates are subject to change at any time.
2To qualify for the $1,000 credit towards your next vehicle, your auto loan must be financed with UCU.
Explore how our rates for auto loans, consumer loans, credit cards, and HELOCs and more could give you a financial advantage.
