Ease your monthly budget.
Refinance your auto loan from another lender with Universal 1 Credit Union (U1) and see how much you could save.
Refinancing your auto loan can be one of the simplest ways to reduce your monthly expenses. Many drivers save hundreds—and some even thousands—over the life of their loan by making the switch.
Drive Your Rate Down:
✓ Easy to apply.
✓ Rates as low as 3.99%*
✓ Clear terms and no big bank surprises
✓ Fast approvals
See How Much You Could Save
Example+
Average auto loan: $24,600
Current rate: 7.50%
Refinance as low as: 5.50%
FAMILY SAVINGS: $1,300 to $1,500 over the life of the loan
+for illustrative purposes only
Anyone in Ohio can receive the lower of our stated rates or 2% off your current rate, down to a minimum rate of 3.99%*. Hurry — this limited-time promotion ends June 30, 2026.
U1 VIP Auto Rates
Term
VIP Rates
VIP APR*
Dealer APR*
2025 - Newer
0-63 months
3.99% - 13.99%
4.05% - 14.06%
6.55% - 17.36%
64-75 months
4.49% - 10.24%
4.54% - 10.30%
6.74% - 14.91%
76-84 months
4.99% - 10.49%
5.04% - 10.54%
6.84% - 15.81%
2019 - 2024
0-63 months
4.99% - 14.24%
5.05% - 14.31%
6.85% - 17.36%
64-75 months
5.49% - 10.49%
5.54% - 10.55%
6.94% - 16.11%
76-84 months
5.99% - 10.99%
6.04% - 11.04%
7.04% - 16.91%
2015 - 2018
0-48 months
7.49% - 12.99%
7.57% - 13.08%
8.08% - 17.04%
Contact Us - VIP Auto Loans
To get started with your application, you can choose from any of the following options below. It’s your VIP experience; you decide what works best for you. Get in touch with us to begin your journey toward securing the best auto loan rates available!
*Offer valid March 6–June 30, 2026. Refinancing applies to auto loans currently financed with other financial institutions only. Existing U1 loans are not eligible. Rate reduction is 2.00% off the borrower’s current interest rate, with a minimum rate floor of 3.99% APR. Promotion excludes mortgages, credit cards, merchant loans, and variable rate loans. All loans subject to credit approval, collateral verification, and U1 underwriting. Borrower must meet U1CU membership eligibility. Rates, terms, and conditions vary based on creditworthiness and loan to value (LTV). NMLS 652486
It’s important to know how auto loans work before making a decision. Click the helpful links below to learn more so you can shop confidently and be in control of your budget.
For additional insights and tips, watch our Understanding Auto Loans video to avoid any unnecessary stress and discover how to get the best new or used car loan rates.
Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Hear what our members are saying
“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."
