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UCU Vehicle Refinance

You don’t have to get a new vehicle to get a new and better auto loan. With UCU’s auto refinance, you can take advantage of lower rates to get lower monthly payments. We offer everything you need to upgrade your vehicle loan.

Auto Refinance

  • Get a great annual percentage rate for an affordable auto refinance.
  • Long loan terms available and are subject to qualifying credit and collateral.*
  • Auto refinance loans available for car models up to 10 years old.
  • Refinance a variety of vehicles, including autos, motorcycles, light-duty trucks, motor homes, snowmobiles, boats, personal watercraft, ATVs, and more.
  • Buy your leased car with a UCU auto lease buy out loan.

Apply for your auto loan online!

Auto Lease Buy Out Program

Ever thought about buying the car you’re leasing? It could be a smart move. Our car lease buy out loan helps you do it, giving you the power to keep – and own – the car you love at a great interest rate.

Vehicle Loans & Recreational Vehicle Loans

New & Used Vehicles 2.89% 0-35 Months $3,000
3.19% 36-59 Months $3,000
3.89% 60-83 Months $7,500
4.89% 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 creditworthiness 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.

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All products and services available on this website are available at all UCU full-service locations.


Holiday closure: Branches will be closed on Monday, May 25th, in observance of Memorial Day.

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