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 Type | APR as low as* | Term** | Min. Loan Amount |
|---|---|---|---|
| New & Used Autos | 5.49% | 0-35 months | $3,000 |
| 5.49% | 36-59 months | $3,000 | |
| 5.99% | 60-83 months | $7,500 | |
| 7.74% | 84-96 months | $30,000 |
Recreational Loans
| Loan Type | APR as low as* | Term** | Min. Loan Amount |
|---|---|---|---|
| New & Used Vehicles | 6.14% | 0-35 months | $3,000 |
| 7.09% | 36-59 months | $3,000 | |
| 7.79% | 60-83 months | $7,500 | |
| 8.14% | 84-120 months | $30,000 |
