Benefits of financing your car with UCU
Your perfect car is out there, and we want to help you get it. Whether it's 4-wheels, 2-doors, an SUV, or a hybrid, we offer car loans to get you moving. And when it comes to financing your vehicle, we’ve got plenty of reasons you should consider University Credit Union as your go-to option.
Our competitive rates and flexible terms will help you save money and stick to your budget. Plus, we have an easy online application, additional rate discounts, no payments for 90-days, and more.
Up to 0.50% APR Discount
0.25% when you sign up for auto pay1 and 0.25% for repeat borrowers.2
Online Application
Complete the whole process anytime, anywhere.
No Payments for 90 Days
Defer your loan payments for up to 90 days.3
Easy Process
Apply in 3 easy steps.
Optional GAP & Mechanical Breakdown Coverage
We’re here to reduce or eliminate losses in the case of an accident or breakdown.
24/7 Support
Our virtual assistant, Royce, is here to help you get your questions answered quickly.
You qualify for a loan if
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The year of your vehicle is 2017 or newer
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Your vehicle has less than 100,000 miles
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The year of your vehicle is 2017 or newer
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Your vehicle has less than 100,000 miles
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The year of your vehicle is 2017 or newer
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Your vehicle has less than 100,000 miles
Getting started is easier than you might think
You can complete the whole loan process anytime, anywhere!
| Step1 |
Fill out our easy online application.
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| Step2 |
UCU reviews your application.
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| Step3 |
Once approved, you can purchase your vehicle!
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Get Started
Member Testimonial
"The UCU employees went above and beyond to assist us, knowing we were in a stressful situation moving our daughter across the country and for her first time ever and purchasing a vehicle. What was an extremely stressful situation was made much more tolerable with their patience and dedication in assisting us. A HUGE THANK YOU to them!!!! My daughter is thriving in her new environment and loves her new vehicle."
-Heidi W.
First-Time Auto Buyers Program
Our First-Time Auto Buyer Program gets you into your dream car even if you don’t have an extensive credit history. Benefits of this program include:
- Competitive rates and manageable terms.
- Great way to establish your credit history.
- Auto buying service to help you find a great deal on your dream car.
This is a great option for members who have limited or no credit history, but not negative credit. Click to learn more.
Learn More
Car buying and loan resources
Auto Buying Services
There's a better way to shop for a vehicle, and we want to make your next car-buying experience stress-free. Work with Autoland, Enterprise, or AutoSmart - and they’re all partners committed to helping our members. Plus, enjoy the added benefit of saving an extra 0.25% APR4 when you buy your vehicle with Autoland and finance with UCU.
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Extended Auto Coverage
Get the protection you need at an affordable price. Backed by more than 80 years of working with credit unions and their members, you can count on TruStage® to help protect what matters most.
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Debt Protection
UCU’s Debt Protection could safeguard your loan if you fall victim to an unfortunate event by helping cancel your loan payment obligations, up to the contract maximums.
Learn More