Vehicle Loans
UMCU offers affordable vehicle loans with competitive rates and flexible terms for new and used vehicles. Whether you're hitting the road, the water, or the open highway, we make it easy to finance your next adventure.
Not sure what to choose? Let us help.
We have a variety of affordable vehicle loans to match your adventure needs. Whether you're financing a car, motorhome, boat, motorcycle, or RV — our loans feature competitive rates*, flexible repayment terms, and a fast, convenient application process. No matter what you're looking for, we'll help get you on the road, water, or trail with confidence.
New & Used Auto Loan
- Loans for Any Age, Make, or Model Automobile
- Same Low Rates for New & Used Vehicles
- Flexible Terms Up to 84 Months
- Automatic Payment Options
- Special Rates for Recent College Graduates
Related Resources
FAQs
Apply through online banking, our mobile app, our website loan application, stop by a branch, or give us a call at 800-968-8628.
The maximum total allowed for secured loans like a vehicle loan (not including real estate) at UMCU is $350,000 per member.
- New & Used Autos: Up to 84 months
- Motorhomes, Boats, Motorcycles, Recreation Vehicles: Up to 240 months.
Certain restrictions may apply
Disclosures
1APR= annual percentage rate. Subject to credit and collateral approval. Disclosed rates are subject to change at any time and may vary based on credit history and loan term. New and used vehicle rates are the same. APR as low as 5.24%. Maximum APR is 16.34%. APR as of 02/25/2026, subject to change. A sample fixed vehicle loan monthly payment based on $30,000 at 5.24% APR for 5 years is $603.61. Additional limitations, terms and conditions apply and are subject to change without notice. Contact UMCU for additional information.