Vehicle Loans

Shopping for a new car? Looking to save money and refinance your current loan? Come see us first to get pre-approved and take advantage of rates as low as 1.99% APR*. You don’t even have to be a member to apply – but why wouldn’t you?

Apply online or schedule an appointment to meet with us in branch!

*Existing UICCU loans and any recreational vehicle purchases or refinances do not qualify.

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Loan Services

Vehicle Loans

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.

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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.

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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 Rates

Vehicle AgeAvailable TermAPR** starting at:
2015 or newerUp to 48 months2.99%
2015 or newer49-63 months3.45%
2015 or newer64-75 months3.95%
2014 or olderUp to 48 months5.2%
2014 or older49-63 months5.7%
2014 or older64-75 months6.2%
Available term lengths are based on retail value. 84 month term available with certain restrictions.

Promotional rates may vary than rates shown above. View current promotions.

Vehicle Loan Payment Calculator

Making 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!

Loan Payments

Loan Protection Insurance

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.

Loan Protection

Local Dealerships

We wouldn’t be the #1 local lender without the help and support from some local dealerships. Learn more about the dealerships that can help close your UICCU loan on the spot.


*Must have a 110% maximum loan to value, a 2017 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, offer valid for vehicle purchase and external vehicle refinance loans closed between January 1, 2021 and October 31, 2021. 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 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.

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