Car, truck or RV...if it's got wheels, we've got a loan. Enjoy driving the vehicle you want, with payments you can afford! Discover the benefit of being pre-approved with U1 before visiting a dealership.
We'll help you buy a new or used vehicle, or refinance your current loan. A quick and easy online process with the low car loan rates and flexible terms you want!
The best part?
Low rates
Flexible terms
Quick & simple online or mobile-friendly application
No-hassle processing
No hidden fees
Over 85 years of reliable, local car financing service
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $25,000 loan with a $40 application fee for 63 months and a monthly payment of $470.07.
2017 - 2022
Up to 63 months
6.79%
6.85%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $25,000 loan with a $40 application fee for 63 months and a monthly payment of $473.61.
For additional Auto rates and terms, please call 800-762-9555, option 0.
Understanding Auto Loans
It’s important to know how auto loans work before making a decision. Auto loans allow you to spread the cost of a vehicle over time, making it more affordable and manageable. However, jumping into a loan without understanding the key details can cause unnecessary stress. To learn more and discover how to get the best auto loan rates, watch our Understanding Auto Loans video for helpful insights and tips.
Need help or have question on applying for an auto loan? Our dedicated member services team can answer your questions and provide additional information! Send a chat message, email, give us a call or fill out the form below.
“Very helpful and friendly. I always recommend Universal 1 to friends and family. Excellent service.”
- Carol, U1 member since 2004
"Very respectful, helpful and I highly recommend U1 to anyone interested in any of their services. Went the extra mile to make sure I was able to get the vehicle loan in time. All around, 10/10 Customer Service,"
- Shane
"Universal 1 Credit Union is an exceptional credit union. I enjoy speaking to the bankers. They are very knowledgeable, hospitable and very helpful."
- Tisha, U1 member since 2018
"U1 was very friendly and knowledgeable. They made it extremely fast and easy to get the loan approved."
- Jacki
"You won't find better people and service anywhere else! The entire staff is very committed to making sure the members are cared for in any way possible"
- Phil, U1 member since 2018
"I just wanted to say thank you for the excellent service you provided us during the auto purchase with CarMax that didn't go as expected with them. You were very helpful and professional. Everything was done quickly and easily. You're doing a great job with over and above service which is very much appreciated."
- Joyce
*APR = Annual Percentage Rate. Loan rate not lower than 6.49%. All loans are subject to credit approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rate and terms subject to change.
