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US Automobile Loan

Enjoy the destination and the journey

Finance your dream car with a personalized loan amount and predictable monthly payments

Improve your commute or your weekend getaways in your dream car. Enjoy rate discounts for new, hybrid, and electric vehicles.

Individual charging electric car.

Benefit from a personalized loan amount

  • Finance up to 100% of a new or used vehicle's value.1 
  • Fixed rate starts at 5.75% APR.2
  • Terms range from 6 months to 6 years (qualify for a lower rate when you select a shorter loan term).  
  • Receive a decision on your application in just four business days.3
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Buying a new car? Enjoy discounted rates

Lower your rate when you buy a new vehicle4 or one with fewer than 7,500 miles. For every 5% you make as a down payment, we will deduct 0.25% from your rate, up to 1.00%.5 

Individual charging an electric car.

Lower your carbon footprint and lower your rates

Receive 0.25% off your rate if the vehicle you buy is hybrid or electric. One of our loan officers will determine if your vehicle qualifies. 

More benefits

  • Board check.

    Apply for free

    Apply online or in person with no application fee or origination fee.

  • Checkmark.

    No fee for repaying early

    There are no pre-payment penalties for paying back your loan before the end of your term.

  • Star reward.

    Earn extra dividends & fee rebates

    Your loan balance with us contributes to your eligibility for Member Loyalty Rewards.

  • Safe.

    Protect your loved ones

    Your loan includes free coverage in the event of your passing.

Automobile loan details

Included with an automobile loan

Rate

Included with an automobile loan

Fixed starting at 5.75% APR2

Term

Included with an automobile loan

Up to 6 years
(shorter terms offer lower rates)

Collateral required

Included with an automobile loan

The automobile that you finance

Decision time

Included with an automobile loan

As little as four business days3

Application fee

Included with an automobile loan

$0.00

Pre-payment penalties

Included with an automobile loan

$0.00

Origination fee

Included with an automobile loan

$0.00

Disbursement time

Included with an automobile loan

As little as one business day3,6

Member Loyalty Rewards

Included with an automobile loan

Credit Life Protection

Included with an automobile loan

Credit Disability Debt Protection

Included with an automobile loan

Enroll for a fee

Consistent monthly payment amounts

Included with an automobile loan

Board check.

Check your eligibility

Repaying what you borrow should never be a struggle. We evaluate each loan request based on factors that can affect your ability to repay. View eligibility criteria.

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Apply for an automobile loan

Complete your online application 24/7 from anywhere in the world.

Apply today

Top automobile loan FAQs

We would only hold a lien on your title if you have an outstanding auto loan with us. Once you repay the loan in full, the lien can be released. We will send you the required notices. You can then present them to your local department of motor vehicles along with a new title request.

Unsecured loans are not backed by collateral. This means there is no asset for the lender to claim if the borrower is unable to pay back the loan. Our unsecured personal loan is an example of an unsecured loan.

A secured loan requires an asset as collateral. For example, a mortgage is a secured loan. The home being purchased is used as collateral to secure the mortgage. In the event the home buyer is unable to repay the mortgage, the lender can claim the property.

For unsecured loans and secured auto loans, the term of your loan is one of several factors that determine the rate. The term of the loan does not impact the rate for a secured with deposit loan. For lines of credit, including credit cards, term is not applicable. 

You can select your term as part of the application process. Loans with shorter terms usually have lower interest costs but higher monthly payments than loans with longer terms. Term options range from six to 180 months, depending on the loan. The loan officer who reviews your application may contact you to discuss a different term than the one you selected. This will be based on our assessment of how much you can afford to pay each month.

Please contact us as soon as possible to inform us of your future plans. If you receive a final entitlement, we may apply the full amount or a portion of it to cover the amount you owe. We will discuss your options with you.

The rate for your loan may differ from the rates offered by local lenders due to a number of factors. One factor could be if you are choosing between an unsecured and a secured loan. For example, UNFCU international home loans are unsecured loans, meaning that you do not have to provide an asset as collateral. A local lender may offer a secured loan where the home you purchase serves as collateral. When a home is used as collateral, it can be taken by the lender if payments are not made. Secured loans tend to have lower rates than unsecured loans for this reason.

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Browse multi-purpose loans and loans for specific purposes, all designed for the UN community.

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Disclosures

  1. For vehicles purchased and driven in the US, the approved loan amount could be up to 100% of the vehicle’s value. For new cars, the vehicle’s value is based on the Manufacturer’s Suggested Retail Price (MSRP), including tax, title, and licenses. For used cars, value is based on the National Automobile Dealer’s Association Retail Value (NADA), including tax, title, and licenses. If you plan to purchase a vehicle in the US to be used outside of the US, please contact us. Your approved loan amount could be less than the amount you requested due to a number of factors. All applicants are subject to credit approval. The total amount of unsecured loans for members without a home loan cannot exceed $150,000. This individual maximum includes unused lines of credit. The maximum amount can be extended to $225,000 if you have or are applying for one of our international home loans. Members who joined UNFCU via UNA-USA or KI USA must be a member for at least 12 months to qualify for an unsecured loan.
  2. APR = Annual Percentage Rate. Creditworthiness, UN contract type, loan amount, and the term of your loan will determine actual APR. All rates are subject to change without prior notice. 
  3. Factors such as the volume of loan applications received may affect this time frame. 
  4. Automobiles are considered new if they are the current or previous year’s models with no more than 7,500 miles on the odometer. Automobiles must be used for personal use exclusively and must be less than 10 years old at the time of the loan origination.
  5. A trade-in credit is not considered as part of the down payment.
  6. Receive the loan amount in as little as one business day after your application is approved.