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’ll qualify for financing if the vehicle you buy is seven model years old and newer.
If the odometer reads 100,000 or less (and hasn’t rolled over or been reset), we can finance your high-mileage used vehicle.
Royce, UCU's virtual assistant, can answer questions, perform basic transactions, and even walk you through a loan application.
*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. Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicles up to ten model years old 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.
