Loan Payments
We offer multiple different payment options to keep you ahead on your loan and ahead in life. Learn more about our payment options and see why we are easy to work with!
Tell Me MoreAuto Loans
90 Days, No car payments. See disclosure 3.
3 Months. 0 Payments.
Sending off your new graduate? Or, got the diploma yourself? While you take the next steps, let us take one worry off your plate: your new car payment. Get behind the wheel now and skip your first 90 days of payments. That means more time to settle in, build your budget, and take a breath.
It’s no secret why we’re the #1 local auto lender: Competitive rates, loan protection services, loan payment options, plus all the great member benefits of joining a credit union like UICCU! We’re making vehicle financing more affordable for Central Illinois.
Auto Loan Rates
Take advantage of some of the best, lower interest rates from a local lender.
| 0-24 Months | 25-36 Months | 37-48 Months | 49-63 Months | 64-75 Months |
|
|---|---|---|---|---|---|
| 2023 or newer | 3.50%* | 3.50%* | 3.50%* | 4.00%* | 4.50%* |
| 2022-2021 | 3.50%* | 3.75%* | 4.00%* | 4.50%* | 5.00%* |
| 2019-2020 | 4.00%* | 4.25%* | 4.50%* | 5.00%* | 5.50%* |
| 2018 or older | 5.50%* | 5.75%* | 6.00%* | 6.50%* | 7.00%* |
*APR as low as |
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Auto Loan Options
New and Used Vehicles
Get great rates and fast local approval on new or used cars, trucks, motorcycles, and more! Qualified members can get up to 125% financing. We have flexible terms to fit your budget, including loans for older vehicles. View current rates.
RV & Boat Loans
Whether you spend your leisure time on the water or on the road, we can help you relax with a great rate. We offer competitive financing up to full retail value for boats, campers, motor homes, and more. View current rates.
Refinancing
Love your vehicle but not your monthly payment? If you’re ready to refinance, simply apply and provide the payoff amount and your current lender’s information. Let’s see if we can save you money!
Vehicle Loan Payment Calculator
Use this calculator to help budget for your future by estimating how much your payments will be for a loan.
Auto Loan Resources
Loan Protection
Enjoy your next vehicle loan with the peace of mind that only our loan protection services can offer. We can help you cover payments if life threw you a curveball or to help with repairs.
Tell Me More1The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts and includes a discount for UICCU checking account holders with direct deposit. All loans subject to credit approval and membership qualifications.
2Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Additional credit score, loan to value and vehicle age limitations apply for 84 month financing and not all members will qualify. Maximum terms for all loan types subject to vehicle mileage. For new vehicles, retail value is based on Manufacturers Suggested Retail Price (MSRP) as shown in the NADA Car Appraisal Guide. For used vehicles, retail value is determined using the Central Region from a current NADA Official Used Car Guide.
2Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Additional credit score, loan to value and vehicle age limitations apply for 84 month financing and not all members will qualify. Maximum terms for all loan types subject to vehicle mileage. For new vehicles, retail value is based on Manufacturers Suggested Retail Price (MSRP) as shown in the NADA Car Appraisal Guide. For used vehicles, retail value is determined using the Central Region from a current NADA Official Used Car Guide.
3Offer valid for vehicle purchase and external vehicle refinance loans closed between April 15, 2026 and July 31, 2026. Existing UICCU loans and any recreational vehicle purchases or refinances do not qualify. Not all applicants will qualify for the 90 days to first payment offer. Must have a credit score of 600 or greater and a maximum loan term of 75 months. Annual Percentage Rate (APR) and loan details will vary depending on individual creditworthiness and the collateral offered. All loans subject to credit approval. All applicants must qualify for and open a membership account at UICCU before loan funding. All offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU Representative for additional details.