At UCU, we believe in putting U first.
UCU Auto Loans
Whether you're purchasing a new vehicle or financing your current one, our auto loans come with:
- Competitive Rates and Flexible Terms
UCU offers auto loan rates as low as 4.99% APR* and has terms up to 120 months*. Helping U get the best deal. - Fast, Local Auto Loan Approvals
Our streamlined auto loan application process is fast and stress-free. As your local credit union, we’re focused on helping U succeed. - Options for Every Driver
Let our experienced lending team help U with a loan that will fit your budget so you can find a vehicle that will fit your style.
Ready to get started?
It takes just minutes!
U are more than your credit score.
At UCU, we look beyond the numbers. We consider your entire financial picture, ensuring that even if your credit isn't perfect, you can still access the financing you need. Our experienced lending team is here to answer your questions, guide you through the process, and provide the support U need every step of the way.
Understanding Credit Scores
- What They Are: Credit scores, typically ranging from 300 to 850, assess your creditworthiness based on factors like payment history, credit utilization, and length of credit history.
- Impact on Loans: Higher scores often lead to better loan terms, but they're not the sole factor in our decisions.
Improving Your Credit Score
- Timely Payments: Consistently paying bills on time can boost your score.
- Manage Credit Utilization: Keeping your credit card balances low relative to your limits is beneficial.
- Limit New Credit Applications: Multiple credit inquiries can temporarily lower your score.
Questions?
Contact our UCU consumer loan originators by email or at 800.696.8628 for details. Membership eligibility applies.
*APR = Annual Percentage Rate. Rates effective as of 5/22/2025. Loans are subject to credit approval, and rates will vary based on creditworthiness. Stated rate applies to 6–36-month term for loans secured by non-commercial passenger vehicles, including Autos, and Light Duty Trucks, both NEW and USED, up to 7 model years old. The minimum loan amount is $3,000. Additional terms and conditions apply.
