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UCU will be closed on Monday, May 30th, in observance of Memorial Day.

 

Affordable Vehicle Financing at UCU

For a low-interest rate, flexible loan terms, and convenient options to suit your lifestyle, there’s no need to travel further than right here for a great car loan. UCU offers used car and new car financing that puts you in the driver’s seat.

Auto & Recreation Loans

  • Whether you are purchasing a new car or a used car, you’ll get a great annual percentage rate for affordable auto financing.
  • Long loan terms available for new and used autos.* Terms are subject to qualifying credit and collateral.
  • Financing available for used car models up to 10 years old.
  • Auto Loans include autos and light-duty trucks.
  • Recreational Loans include motorcycles, motor homes, snowmobiles, boats, personal watercraft, ATVs, campers, 5th wheels, and travel trailers.
  • Even though you can apply for your auto loan online at UCU, we’re not like typical online auto lenders. We’re local, so we make all our auto financing decisions locally – to get you a loan decision fast and deliver the flexibility you need to customize your auto loan, especially for you.

Hear it from our members, UCU is here for U:

"The loan folks I have spoken to are always friendly and understanding." - Roxanne M.

"Sean handled my lease buyout with great skill and efficiency from the first point of contact. Sean always conveys warmth and friendliness and does a wonderful job explaining loan options and what to expect next. Turnaround time from beginning to end was amazing!" - Craig O.

"I want to recognize Kelly D. as an EXCELLENT Loan Originator!!! She went above and beyond to ensure that I got the auto loan I needed. Kelly really cares about her customers, and it shows. It is people like her that keep me banking with UCU. Thank you so much, Kelly!!!" - Rachel G.

"Kaci S. is awesome. I have processed a few loans with her. She is responsive and helpful. Anytime we think of doing a loan for a repair or whatever it may be, I email her." - Amanda A.

"Traci was extremely helpful and got me the ideal loan specs I was looking for. Made me feel that my relationship with the credit union was important, this was not the case with other creditors I tried to work with." -  Ty-Donald B.

Auto Loans

Loan TypeAPR as low as*Term**Min. Loan Amount
New & Used Autos1.99%0-35 months$3,000
2.24%36-59 months$3,000
2.49%60-83 months$7,500
4.59%84-96 months$20,000
Program Details: Interest rates above apply to loans secured by non-commercial passenger vehicles both NEW and USED up to 10 model years old, Autos & Light Duty Trucks. Collateral secured by title. *Annual Percentage Rate (APR) for the above loans will vary based on borrower's credit worthiness and selected term. Our loans are risk-based priced to determine the interest rate. Please contact a UCU Consumer Loan Originator for more information. **Term subject to creditworthiness and collateral. Membership eligibility applies. Additional fees may apply.

Recreational Loans

Loan TypeAPR as low as*Term**Min. Loan Amount
New & Used Vehicles2.69%0-35 months$3,000
2.99%36-59 months$3,000
3.99%60-83 months$7,500
4.99%84-120 months$20,000
Program Details: Interest rates above apply to loans secured by non-commercial recreational vehicles both NEW and USED up to 10 model years old. Includes Motorcycles, Motor Homes, Snowmobiles, Boats, Personal Watercrafts, ATVs, Campers, 5th Wheels, Travel Trailers, and includes Other Chattel. Collateral secured by title when available or UCC. *Annual Percentage Rate (APR) for the above loans will vary based on borrower's credit worthiness and selected term. Our loans are risk-based priced to determine the interest rate. Please contact a UCU Consumer Loan Originator for more information. **Term subject to creditworthiness and collateral. Membership eligibility applies. Additional fees may apply.

Protecting our members with Carfax! Contact a loan officer for your vehicle history report. Click here to find out how!