Vehicle Loans

No car payments for 3 months!*




You read that right. You don’t have to start paying for three months! So, while it seems like the prices are going up everywhere else, you can find comfort knowing your new car is already parked in your driveway, with no payments for 3 months.



Auto Loan rates as low as 2.2%

It’s no secret why we’re the #1 local auto lender. Let us prove it!

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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.

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, jet skis, 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!

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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 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!

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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.

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*Must have a 110% maximum loan to value, a 2018 or newer vehicle, a maximum term of 75 months, and a 730 or greater credit score to qualify for the 2.2% Annual Percentage Rate (APR) financing. Applicants with the same criteria but a credit score of 700-729 will receive 3.2% APR. No other discounts will apply to the 2.2% or 3.2% APR financing. Vehicle value must be greater than $15,000 in order to qualify for the 72 month financing. Applicants with a credit score of 699 or below and/or applicants with a loan to value in excess of 110% or a 2017 or older vehicle will receive standard APR pricing which will vary depending on individual credit worthiness, loan term, and other applicable discounts. Offers valid for vehicle purchase and external vehicle refinance loans closed between March 1, 2022 and August 31, 2022. Must have a credit score of 600 or greater to qualify for 90 days or 3 months until first payment offer. Existing UICCU loans and any recreational vehicle purchases or refinances do not qualify. Not all applicants will qualify for the discounted APR and/or the 3 months until first payment offer. All loans subject to credit approval and all applicants must qualify for and open a membership account at UICCU before loan funding. All APR discounts and delayed first payment date offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU Member Service Representative for additional details.

 

The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.

 

***Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Maximum terms 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.

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