VEHICLE LOANS

If you’re looking for a new or used car, now is the great time to shop! Our low rates mean low monthly payments for you.

  • Loans available for new and used cars, sport utility vehicles, and trucks.
  • Low interest rates. (And, if you authorize automatic transfer for your loan payment, your rate is .25% lower!)
  • On new cars, we finance the entire price of the car plus taxes.
  • On used cars, we finance up to the NADA blue book retail value.
  • Fixed rate loan terms of 24, 36, 48, 60, and 72 months.
  • For higher priced cars, 84-month and 96-month loans are available**. Call the Member Service Phone Center (662-8200 or 800-968-8628) or speak to an Account Services representative for monthly payment estimates.
  • Protect your family, assets and credit rating by reducing financial burden during specified life event losses; including unemployment, loss of life, or disability.  To learn how you can purchase this additional protection, click here.

Full insurance coverage is required and proof of insurance must be provided at the time the loan is disbursed. We can also refinance your existing auto loan at another bank or finance company.

Applying is Easy!

  • Apply online
  • Visit one of our offices
  • Call the Member Service Phone Center (800-968-8628 or 734-662-8200) and ask for an application
  • Finance with UMCU at several participating dealers. To discover if your favorite dealer participates in UMCU financing, click here

MEMBERS®Auto and Homeowners Program

You trust University of Michigan Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

  • MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
  • Convenient e-service, pay your bill or make changes to your policy, even report a claim.
  • Receive fast, easy access to claims service 24-hours a day.
  • Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

MAH Credit Union Banner.

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

New Car Research

Related Auto Services

  • Guaranteed Asset Protection (GAP) - insurance that covers the difference in the balance on a car loan and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered. Click GAP to learn more.
  • Vehicle Protection Care (VPC) - protect yourself from costly auto repair bills with VPC.  There are several plans with a variety of comprehensive coverage specifically designed to fit your needs.  Extend your vehicle's protection for many years and thousands of miles after the factory warranty ends.
  • Matching Auto Rate Program.
  • Dealership discounts
  • Purchase your next used car from Enterprise Car Sales. Whether you are looking for a used car, truck, van or SUV, Enterprise has your next vehicle. Click here to learn more about Enterprise Car Sales.***  
  • Auto Choice loans - our leasing option.

 

*A.P.R. = Annual Percentage Rate. “As low as rate” indicates the best rate available based on term, credit score, and automatic payment. Rates are subject to change.

** Some credit restrictions may apply.

***Links from our web site are provided for your convenience only. These linked sites are separate from our credit union's web site and UMCU is not responsible for the content or availability of these sites or their privacy policies. In addition, a link from our web site to another does not indicate that UMCU endorses that site's advertisers, services or policies.

 

 
NCUAFederally
Insured
by NCUA
Equal Housing Lender We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Mortgage loan services provided by MemberFirst Mortgage LLC (NMLS #149532) and UMCU (NMLS #712343)