Auto loans the UCU way
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.
- Easy online application
- Competitive rates starting as low as 5.24% APR*
- Flexible terms
- First-time auto buyer program
- Payment protection program
- GAP Protection
- Mechanical Breakdown Protection
Auto loans for everyone
Frequently asked questions
- Does UCU offer help in finding the right car to buy? Click On Does UCU offer help in finding the right car to buy?
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.
- How do I refinance my auto loan with UCU? Click On How do I refinance my auto loan with UCU?
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.
- What if I have never had an auto loan? Click On What if I have never had an auto loan?
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.
- How do I apply for an auto loan at UCU? Click On How do I apply for an auto loan at UCU?
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.
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*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 70% 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 (Repeat Borrower discount of 0.25% is based on minimum 6 months of positive UCU loan repayment history.). Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicle models 2017 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. Estimated monthly payment example: New auto loan of $25,000 for 60 months for 100% LTV at 5.24% with Automatic Payment and Repeat Borrower Discount will have an estimated monthly payment of $472.00.
2To qualify for the $1,000 credit towards your next vehicle, your auto loan must be financed with UCU.
3UCU guarantees that our lowest loan rates for cars, credit cards, consumer loans, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global.