Auto Loans
Practicality That Gets You There
Hop into the driver’s seat.
Choose an Auto Loan2 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. With a qualified Plus Checking account, you can enjoy a 0.25% discount.3
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Buy New, Used, or Refinance
Whether you’re purchasing a vehicle or refinancing your current loan, UFCU offers the same low rates4 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.2
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 | 4.99% | 6.74% | 7.49% | 9.39% | 14.65% | 17.25% |
| 49 to 66 Months | 5.64% | 7.39% | 8.14% | 9.89% | 15.10% | 17.70% |
| 67 Plus Months | 6.04% | 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 APR = Annual Percentage Rate. Subject to credit eligibility. Certain restrictions apply. Rates subject to change. Promotion ends May 31, 2025.
2 Subject to credit eligibility. Certain restrictions apply.
3 Auto Loan Rate Discount. A Plus Checking account can receive a 0.25% discount on a consumer auto loan (excluding internal refinances). The discount would take a quarter of a point (0.25% or 25 Bps) off the standard auto loan rate the Member qualified for. The 0.25% auto loan discount for Plus Checking members is not applicable to rates of 4.99% APR with terms of 1-48 months. The Plus Checking member discount is available on all other rates and terms. For more details, please speak with a loan officer.
To receive the Auto Loan Rate discount, the following apply:
- A Plus Checking share must be open on the same account (i.e. the same UFCU share account number) in which the consumer auto loan resides at the time of loan origination.
- The discount can only be applied to a consumer auto loan opened after 12:01 AM on 10/1/2024.
- The discount only applies to a new-to-UFCU consumer auto loan, which includes the following loan types:
- Purchase (purchase of an auto)
- External Refinance (purchased with dealer and Member refinances with UFCU)
- The discount is not available on:
- Existing auto loans funded prior to opening the Plus Checking share
- Loans already financed with UFCU (e.g. an internally refinanced auto loan)
- Any other loan balance at UFCU
- Commercial or Business auto loans
- The Member must qualify for the auto loan to receive the discount.
- Having a Plus Checking account does not guarantee loan approval.
All the standard qualifications for obtaining the loan must be met.
4 Rates subject to change.