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New and Used Auto Loans

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.

You qualify for a loan if - Los Angeles, California, United States

Benefits of a UCU auto loan

You should consider University Credit Union as your go-to option for new and used auto loans. Here's why:
  • 0.25% discount when you sign up for auto pay 
  • 0.25% discount for repeat borrowers
  • Defer your loan payments for up to 90 days3 
  • Complete the application process anytime, anywhere   

Used auto loan qualifications

First-time auto buyers

First-time auto buyers

We offer highly competitive rates to first-time auto buyers that will get you behind the wheel of your dream car.
New and used auto loans

New and used auto loans

Unlock discounted rates on new and used auto loans with a few simple requirements.

Used auto loan qualifications

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Easy application process

Easy application process

It only takes a few minutes to check your eligibility online, apply for membership, and open your first UCU savings account.
Learn More about Easy application process
Financial wellness

Financial wellness

Our financial wellness modules can help you reduce debts and increase returns.
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Royce 

Royce 

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

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Rates

Get the best deal possible on auto loans, consumer loans, credit cards, and HELOCs by taking advantage of our highly competitive interest rates—just for member-owners.
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Credit Cards

Whether you want to earn rewards points, want cash-back in your pocket, or need to build your credit, we have a credit card made for you.
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