APR = Annual percentage rate. Rate quoted is a 6-month introductory rate. Thereafter, the rate will be variable and can increase.

All rates are subject to change without prior notice.

Auto Loan

Auto (secured) Loan


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Auto Loan

  • Summary
  • Benefits
  • Resources

Finance up to 100%1 of the purchase price of a new or used personal vehicle with a UNFCU Auto Loan.

We offer fixed and variable rates and there is no fee to apply. Depending on the country in which you are purchasing the vehicle, you may be eligible for either a secured or unsecured loan. Please contact us to learn which type of loan you are eligible for. Rates vary by loan type.

With a secured fixed rate loan to purchase a new vehicle, you may qualify for a .25% rate reduction for every down payment of 5%, up to a maximum of a 1% reduction off of the Annual Percentage Rate.

If you are purchasing a car in the US , visit our Auto Center to research your next car.

A UNFCU Auto Loan offers the following benefits:
  • Flexible terms. Choose between a variable or fixed interest rate.
  • Flexible payment options so you may pay off your loan balance at any time. For your convenience, you can also choose to make automated loan payments from your accounts.
  • Peace of mind with FREE Credit Life Protection up to USD 55,000 per member.
Research cars in the US

UNFCU partnered with GrooveCar.com to provide members with car research resources for both new and used cars in the US. Visit the Auto Center for more information.

  • Compare Loans
    Use this calculator to sort through the monthly payments and other costs associated with getting a new loan.
  • Debt Consolidation
    This calculator is designed to help determine whether debt consolidation is right for you.
  • Loan Amortization
    Enter your desired payment - and let us calculate your loan amount.
Credit Disability Debt Protection

Alleviate the worry of making your loan payments in the event of lost income due to an unexpected disability. Learn more.

  1. If applying for an unsecured Auto Loan, your approved loan amount could be less than the amount you requested due to other loan obligations you have with UNFCU and other factors. UNFCU lending policy permits a combined individual maximum amount of unsecured credit extended to be no greater than USD 150,000 or USD 225,000 including unused lines of credit, if the applicant has or is applying for an International Home Loan.