Auto loan rates
Buy your next car with confidence knowing that UCU has you covered. With low rates and flexible terms, you can be behind the wheel of your new car in no time!
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Auto loan options
New or used auto loan
No matter your vehicle preference, we have the financing you need to save money and stick to your budget.
New or used auto loan
Refinance your auto loan
Ready to lower your payment on your current auto loan? Refinance with UCU.
Refinance your auto loan
First-time auto buyer program
If you have limited or no credit history, we make it easy to buy your first car with competitive rates and manageable terms.
First-time auto buyer program
Auto loan rates
| Vehicle type | APR* as Low As | Minimum loan amount | Term in Months | Estimated payment per $1,000 |
|---|---|---|---|---|
New and Used Auto (Vehicle up to ten model years old and newer) | 4.75% | $7,500.00 | 36 | $29.86 |
| Blank | 4.75% | $10,000.00 | 60 | $18.76 |
| Blank | 5.49% | $20,000.00 | 72 | $16.33 |
| Blank | 6.49% | $35,000.00 | 84 | $14.84 |
First Time Auto Buyer (Vehicle up to ten model years old and newer) | 8.24% | $7,500.00 | 36 | $31.45 |
| Blank | 8.24% | $10,000.00 | 60 | $20.39 |
| Blank | 8.49% | $20,000.00 | 72 | $17.77 |
| Motorcycle | 11.49% | $7,500.00 | 36 | $32.97 |
| Blank | 12.99% | $10,000.00 | 60 | $22.75 |
| Blank | 13.24% | $25,000.00 | 72 | $20.20 |
Rates current as of December 12, 2025. Rates subject to change without notice.
UCU auto loan features
Competitive rates as low as 4.75% APR
Get the same low rate for new and used vehicles
Buy new, used, or refinance your current auto loan with flexible terms
Auto loan programs
Guaranteed Asset Protection
If you find yourself in a bind because your car's been stolen or totaled in an accident, Guaranteed Asset Protection pays the difference between the amount your car insurance covers and the remaining balance on your auto loan. Insurance companies may only be willing to pay the market price of your car, but Guaranteed Asset Protection pays off your loan completely, covering your car in its full value.
Mechanical Breakdown Protection
When your vehicle breaks down, mechanical breakdown coverage is like a good friend who helps you out of a jam. This extended warranty includes emergency roadside assistance, rental car allowance, and battery coverage.
Debt Protection
Debt protection could safeguard your loan if you fall victim to an unfortunate event by helping cancel your loan payment obligations, up to the contract maximums. This means you or your family won't have to worry about making your loan payments in the event of an extended disability, involuntary unemployment, or death.
Frequently asked questions
Need more information?
- What is a good interest rate on an auto loan?
The best interest rate for you will depend on your credit and the type of car you purchase. With competitive low rates, we are committed to helping you secure the best interest rate for your auto loan.
- Is it better to finance a car through a credit union or dealership? In most situations, you’ll be better off securing your auto loan from a credit union instead of going directly through the dealership. Dealerships often inflate their interest rates to increase their profits. Credit unions are not-for-profit organizations, so our focus is on helping you save.
- How do you get a good rate on an auto loan? Here are a few tips to consider, that could help you get a lower rate on your auto loan.
- Check your credit score before applying and see if there’s anything you can do to improve your score.
- Refinance your current loan to get more favorable terms.
- Apply with a co-borrower or add a cosigner, so you have a stronger loan application.
- Consider getting a shorter loan term, which often comes with a lower rate.
- What should you consider when choosing an auto loan? When choosing an auto loan, you want to consider these two factors:
- Interest Rate: You want the lowest interest rate possible for your auto loan so you can reduce the amount of interest you have to pay over the life of your loan.
- Loan Term: Longer loan terms generally come with lower monthly payments and higher interest rates, so you’ll pay more over the life of the loan but less each month. The opposite is true for shorter loan terms.
- How do auto loans work? The purpose of an auto loan is to help you finance a vehicle, instead of paying for the vehicle in cash. It is a secured loan, meaning the car is used as collateral, so if you default on your loan payments, your lender can repossess the vehicle. For the duration of your loan term, you pay off the loan in equal monthly installments.
Resources from University Credit Union
Monthly Budget Guide
Having a budget for your finances can help ensure you are able to afford your next auto loan.
Search for the right vehicle
Car buying just got easier with our auto buying services. Use one of our four services to make your next car purchase quick and easy.
Get financial counseling
Take advantage of this service to help you achieve your financial goals.
Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
*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 seven model years old and newer.
Personal loans and lines rates
Borrow $500 to $10,000 or access a convenient line of credit and save on interest with credit union loan rates.
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