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Auto loans the UCU way - Los Angeles, California, United States

Auto loans the UCU way

Rev up your ride with an auto loan 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 auto loan, we're putting you in the driver's seat. At University Credit Union, we offer competitive rates and flexible terms designed to help you stick to your budget and achieve your financial goals.
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Benefits of a UCU Auto Loan - Los Angeles, California, United States

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

We make buying cars easy - Los Angeles, California, United States

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. 
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Auto buying services

Refinance your ride, lower your payments - Los Angeles, California, United States

Refinance your ride, lower your payments

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
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Auto loan refinance

Buying your first car is exciting - Los Angeles, California, United States

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.
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First-time auto buyer loans

Get peace of mind with this coverage - Los Angeles, California, United States

Get peace of mind with this coverage

If your car is totaled or stolen, Guaranteed Asset Protection (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
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Guaranteed Asset Protection

Don’t let breakdowns slow you down - Los Angeles, California, United States

Don’t let breakdowns slow you down

Mechanical Breakdown Protection 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! 
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Mechanical Breakdown Protection

Make sure your car loan gets paid - Los Angeles, California, United States

Make sure your car loan gets paid

If an unfortunate life event happens, our ConsumerSafe Plus Borrower Security Program provides peace of mind, canceling your loan payment obligations up to the maximum allowed when you need it most.
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Auto loan debt protection

Protect your positive equity - Los Angeles, California, United States

Protect your positive equity

A Depreciation Protection Waiver 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.
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Depreciation Protection Waiver (DPW)

    How to get pre-qualified and pre-approved for a mortgage

    How to get pre-qualified and pre-approved for a mortgage

    Read more about How to get pre-qualified and pre-approved for a mortgage
    Avoiding Online Scams in the Digital Age

    Avoiding Online Scams in the Digital Age

    Read more about Avoiding Online Scams in the Digital Age
    6 Steps for Smart Credit Management

    6 Steps for Smart Credit Management

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    Student Loan Debt Consolidation 101

    Student Loan Debt Consolidation 101

    Read more about Student Loan Debt Consolidation 101
    How Home Equity Lines of Credit (HELOCs) Work

    How Home Equity Lines of Credit (HELOCs) Work

    Read more about How Home Equity Lines of Credit (HELOCs) Work

    Frequently asked questions

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    Royce is here to help

    Royce is here to help

    Royce, UCU's virtual assistant, can answer questions, perform basic transactions, and even walk you through a loan application.
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    Bank on the go

    Bank on the go

    Check your balance, pay bills, make money transfers, and deposit checks with digital banking from UCU.
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    Use account services 24/7

    Use account services 24/7

    Enjoy free ATMS nationwide, easy go-anywhere mobile banking, and fast payment, transfer, and deposit options.
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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. 

    Low rates on all loan types

    Get lower-than-market rates on auto loans, consumer loans, credit cards, and HELOCs by taking advantage of our Best Rates in the Nation Guarantee3.  
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    We're invested in your financial wellness

    As your financial institution of choice, we're committed to helping you stay financially fit and make smart choices. At University Credit Union, you'll bank with your brain.
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    Find a location near you

    You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches
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