Personal Finance Manager

 

Demo | More InformationRegister

Personal Finance Manager

 

Demo | More InformationRegister

Vehicle Loans

UCU wants to help you get into that new (or used) vehicle you’ve been wanting!
With our improved loan programs, financing your vehicle with us has never been easier.


Auto Loans

  • Whether you are purchasing a new car, or one that’s new to you, we offer flexible terms and competitive rates.
  • Terms up to 120 months for new and used autos*
  • Financing available for vehicles up to 7 years old and up to 110% of MSRP or NADA retail or purchase price.

Scroll down to see current rates and terms and conditions.

Click here to apply online or contact UCU at 800.696.8628 for details.


Recreational Vehicle Loans

Do you want to enjoy the great outdoors on your own ATV, boat or snowmobile? Or perhaps you want to move up from the tent to a camper. Make it happen with a Recreational Vehicle loan from UCU.

  • Personal Recreational Vehicle loans available for motorcycles, ATVs, snowmobiles and personal watercraft
  • Recreational Vehicle loans available for boats, campers, RVs, travel trailers and 5th wheel trailers
  • Competitive rates and terms available

Indirect Lending

We have a very strong indirect lending program with several in-state auto & recreational vehicle dealers.
What this means for you is that, as a member of UCU, you can buy a car from a reputable dealership and get financing through the credit union all in one stop! All you have to do is let the finance manager at the dealership know you’re a member of UCU!

Click here to see a listing of our current indirect lending relationships.


Vehicle Loans (up to 80% LTV) (Last Modified: Sep 30, 2015)

Loan TypeAPR as low as*TermMonthly Payment per $1,000Min. Loan Amount
New & Used Vehicles0.99%12 months$83.79$1,000
1.49%24 months$42.32$2,000
1.74%36 months$28.54$3,000
1.99%48 months$21.70$5,000
2.49%60 months$17.75$7,500
2.74%72 months$15.08$12,500
3.99%84 months$13.67$25,000
4.99%up to 120 months$10.61$50,000

Program Details: Interest rates above apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 7 model years old. Includes Autos, Motorcycles, Light Duty Trucks and Motor Homes. Auto loans that fall under the expanded approval program will receive rates from 4.9% to 17.3% depending on the underwriting criteria for the borrower. Does not include refinancing existing UCU loans. Loan-to-Value maximums: 80% of NADA Clean Retail Value (if Available) or MSRP less Manufacturer Rebates. Loan amount not to exceed lesser of value or Purchase Price.

Vehicle Loans (over 80% LTV) (Last Modified: Sep 30, 2015)

Loan TypeAPR as low as*TermMonthly Payment per $1,000Min. Loan Amount
New & Used Vehicles2.24%12 months$84.35$1,000
2.74%24 months$42.87$2,000
2.99%36 months$29.08$3,000
3.24%48 months$22.24$5,000
3.74%60 months$18.30$7,500
3.99%72 months$15.64$12,500
5.24%84 months$14.25$25,000
6.24%up to 120 months$11.22$50,000

Program Details: Interest rates above apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 7 model years old. Includes Autos, Motorcycles, Light Duty Trucks and Motor Homes. Auto loans that fall under the expanded approval program will receive rates from 4.9% to 17.3%, depending on the underwriting criteria for the borrower. Loan-to-Value Maximums: 110% of NADA Clean Retail Value (if available) or MSRP less Manufacturer Rebates. Loan amount not to exceed lesser of value or purchase price.

Other Secured Loan Rates (Last Modified: Sep 30, 2015)

Loan TypeAPR as low as*TermMonthly Pymt per $1,000Min. Loan AmountMin. Computer Loan Amount
Other Secured4.24%12 months$85.26$500$500
4.74%24 months$43.76$2,000$1,000
4.99%36 months$29.97$3,000$1,500
5.24%48 months$23.14$5,000$3,000
5.74%60 months$19.21$7,500N/A
5.99%72 months$16.57$12,500N/A
7.24%84 months$15.21$17,500N/A
8.24%Up to 144 months$10.96$50,000N/A

OTHER SECURED Program Details: Interest rates below apply to loans secured by non-titled personal recreational collateral and other chattel. Includes recreational equipment up to 7 model years old (snowmobiles, boats, personal watercraft, ATVs, campers, 5th wheels, travel trailers). Included titled vehicles 8 to 10 model years old. Includes computer and other chattel. Loan-to-Value Maximums: Lesser of 110% of NADA Retail Value (if available), MSRP less Manufacturer Rebates or Purchase Price.