*Must have a 110% maximum loan to value, a 2016 or newer vehicle, a maximum term of 75 months, and a 730 or greater credit score to qualify for the 1.99% Annual Percentage Rate (APR) financing. Applicants with the same criteria but a credit score of 700-729 will receive 2.49% APR. No other discounts will apply to the 1.99% or 2.49% APR financing. Applicants with a credit score of 699 or below and/or applicants with a loan to value in excess of 110% or a 2015 or older vehicle will receive standard APR pricing which will vary depending on individual credit worthiness, loan term, and other applicable discounts. Not all applicants will qualify for the discounted APR and/or the 90 days to first payment offer. Must have a credit score of 600 or greater to qualify for 90 days to first payment offer. Either offer valid for vehicle purchase and external vehicle refinance loans closed between October 1, 2020 and December 31, 2020. Existing UICCU loans and any recreational vehicle purchases or refinances do not qualify. 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 All APR discounts and 90 days to first payment offers are for a limited time and may be withdrawn without notice.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 minus rebate. For used vehicles, retail value is determined using the Central Region from a current NADA Official Used Car Guide. If the vehicle value is less than $7,500 Personal Loan Rates apply. If the vehicle is being purchased through a private party, the lesser of NADA retail or purchase price will be used. All rates subject to change.
For RVs with a value and loan amount that exceeds $50,000, we offer fifteen-year amortization. This type of loan makes your payments lower and frees up cash for other uses. At the end of 60 months the rate is adjustable based on the prime rate plus a margin. A similar ten-year amortization option is available for RVs with a value of $35,000 or greater.