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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.

Vehicle Loan

  • 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* are subject to qualifying credit and collateral.
  • Financing available for used car models up to 10 years old.
  • Vehicle Loan includes autos, motorcycles, light-duty trucks, 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.

Auto Loans

Loan TypeAPR as low as*Term**Min. Loan Amount
New & Used Autos1.99%0-35 months$3,000
1.99%36-59 months$3,000
2.29%60-84 months$7,500
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.

Vehicle & Recreational Loans

Loan TypeAPR as low as*Term**Min. Loan Amount
New & Used Vehicles2.39%0-35 months$3,000
2.69%36-59 months$3,000
3.39%60-83 months$7,500
4.39%84-120 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. Includes Autos, Motorcycles, Light Duty Trucks, 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.

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

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UCU Car Buying Service – Powered by TRUECar

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