Auto Loans
Practicality That Gets You There
Hop into the driver’s seat.
Choose an Auto Loan1 to fit your unique needs, financial situation, and life circumstances.
UFCU offers the same low rates and flexible terms to help you find a realistic monthly payment, whether you’re looking for a new or used vehicle or an opportunity to refinance at a lower rate.
Switch your auto loan to UFCU before January 31, 2025, and get 90 days payment-free and interest-free. It's a deal you can't pass up!
Se habla español.
Buy New, Used, or Refinance
Whether you’re purchasing a vehicle or refinancing your current loan, UFCU offers the same low rates2 and flexible terms.
Don’t wait for your current car loan to be paid off — you might be able to make a switch to UFCU’s lower rates today. By refinancing auto loans from other lenders, our Members have saved an average of $1,950 in interest on their car loans and lowered their monthly payments by as much as $50.
To find out how much you’d save by switching, have your current loan contract or payment book ready and apply online or call (512) 498-CARS (2277).
Or if you’ve been turned down by other lenders due to a low credit score, ask about our credit builder loan.1
Regardless of your situation, we understand that reliable transportation is key to a successful financial future. We’re here to help.
Rates
| Annual Percentage Rate (APR) based on your credit and risk score | ||||||
|---|---|---|---|---|---|---|
| Term | Excellent | Good | Average | Fair | Marginal | Low / No score |
| 1 to 48 Months | 6.24% | 6.74% | 7.49% | 9.39% | 14.65% | 17.25% |
| 49 to 66 Months | 6.89% | 7.39% | 8.14% | 9.89% | 15.10% | 17.70% |
| 67 Plus Months | 7.29% | 7.79% | 8.79% | 10.89% | 16.55% | 17.90% |
Related Products and Services
Vehicle Services
You can further reduce risk with the Extended Warranty or Major Mechanical Protection (MMP), Guaranteed Asset Protection, and Debt Cancellation programs.
Credit Coach
Auto loan rates are determined in large part by your credit score. See where you stand and find ways to boost your numbers with our online Credit Coach.
1 Subject to credit eligibility. Certain restrictions apply.
2 Rates subject to change.