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.
Our competitive rates and flexible terms will help you stick to your budget and put you on your dream ride. Plus, we have an easy online application, additional rate discount opportunities, no payments for 90 days, and more. With rates as low as 5.24% APR*, you'll get more joy from your ride before you even hit the road.
Benefits of a UCU auto loan
- 0.25% discount when you sign up for auto pay1
- 0.25% discount for repeat borrowers2
- Defer your loan payments for up to 90 days3
- Complete the application process anytime, anywhere
Used auto loan qualifications
First-time auto buyers
New and used auto loans
Used auto loan qualifications
- Age of vehicle about Age of vehicle You'll qualify for financing if the vehicle you buy is from 2017 or later.
- Mileage limits about Mileage limits If the odometer reads 100,000 or less (and hasn't rolled over or been reset), we can finance your high-mileage used vehicle.
Frequently asked questions
- Can I finance a vehicle online with UCU? Click On Can I finance a vehicle online with UCU? We’ve streamlined the auto loan process by making it as easy as 1, 2, 3. Please fill out your application online, submit it for review, and await approval. It’s that easy. Learn more
- Can I finance a used vehicle with UCU? Click On Can I finance a used vehicle with UCU? We understand that buying a new vehicle isn’t always an option. That’s why we’ve made it easy to get an auto loan for new and used vehicles—even ones with significant years or mileage. Learn more
- Will UCU give me a competitive auto loan rate even if my credit isn’t perfect? Click On Will UCU give me a competitive auto loan rate even if my credit isn’t perfect? We understand that credit doesn’t always match your true sense of responsibility—after all, things happen. That’s why UCU auto loan rates depend on a variety of factors, not just your credit. Check out our rates now. Learn more
- How does an auto loan with UCU work? Click On How does an auto loan with UCU work? Find a vehicle you want to buy, then submit your application for a loan online. If your loan is approved, we’ll transfer the down payment to the seller, and you’ll get your vehicle. Then, you’ll make your monthly payments to UCU. Learn more
- How much can I borrow for an auto loan with UCU? Click On How much can I borrow for an auto loan with UCU? Many factors determine how much you can borrow for an auto loan, from employment to credit score and debt to income to the car itself. At UCU, we believe in helping you make intelligent financial decisions. Learn more
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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.
1Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 5.24%. Credit Cards, HELOCs, and mortgages are excluded.
2Repeat Borrower discount of 0.25% based on minimum 6 months of positive UCU loan repayment history.
3Payment can be deferred for 90 days, however, interest will accrue from the date of the contract.