Apply for a loan or credit card
- Sign in to Digital Banking.
- Under Account Services, select Apply for a Loan or Credit Card.
Discover the worldwide benefits UNFCU members enjoy
Finance your dream car with a personalized loan amount and predictable monthly payments
Improve your commute or your weekend getaways in your dream car. Enjoy rate discounts for new, hybrid, and electric vehicles.
Receive 0.25% off your rate if the vehicle you buy is hybrid or electric. One of our loan officers will determine if your vehicle qualifies.
Apply online or in person with no application fee or origination fee.
There are no pre-payment penalties for paying back your loan before the end of your term.
Your loan balance with us contributes to your eligibility for Member Loyalty Rewards.
Your loan includes free coverage in the event of your passing.
Included with an automobile loan |
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Rate |
Included with an automobile loan Fixed starting at 6.00% APR2 |
Term |
Included with an automobile loan Up to 6 years |
Collateral required |
Included with an automobile loan The automobile that you finance |
Decision time |
Included with an automobile loan As little as four business days3 |
Application fee |
Included with an automobile loan $0.00 |
Pre-payment penalties |
Included with an automobile loan $0.00 |
Origination fee |
Included with an automobile loan $0.00 |
Disbursement time |
Included with an automobile loan |
Included with an automobile loan |
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Included with an automobile loan |
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Included with an automobile loan Enroll for a fee |
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Consistent monthly payment amounts |
Included with an automobile loan |
Repaying what you borrow should never be a struggle. We evaluate each loan request based on factors that can affect your ability to repay. View eligibility criteria.
Complete your online application 24/7 from anywhere in the world.
We would only hold a lien on your title if you have an outstanding auto loan with us. Once you repay the loan in full, the lien can be released. We will send you the required notices. You can then present them to your local department of motor vehicles along with a new title request.
Unsecured loans are not backed by collateral. This means there is no asset for the lender to claim if the borrower is unable to pay back the loan. Our unsecured personal loan is an example of an unsecured loan.
A secured loan requires an asset as collateral. For example, a mortgage is a secured loan. The home being purchased is used as collateral to secure the mortgage. In the event the home buyer is unable to repay the mortgage, the lender can claim the property.
For unsecured loans and secured auto loans, the term of your loan is one of several factors that determine the rate. The term of the loan does not impact the rate for a secured with deposit loan. For lines of credit, including credit cards, term is not applicable.
You can select your term as part of the application process. Loans with shorter terms usually have lower interest costs but higher monthly payments than loans with longer terms. Term options range from six to 180 months, depending on the loan. The loan officer who reviews your application may contact you to discuss a different term than the one you selected. This will be based on our assessment of how much you can afford to pay each month.
Please contact us as soon as possible to inform us of your future plans. If you receive a final entitlement, we may apply the full amount or a portion of it to cover the amount you owe. We will discuss your options with you.
The rate for your loan may differ from the rates offered by local lenders due to a number of factors. One factor could be if you are choosing between an unsecured and a secured loan. For example, UNFCU international home loans are unsecured loans, meaning that you do not have to provide an asset as collateral. A local lender may offer a secured loan where the home you purchase serves as collateral. When a home is used as collateral, it can be taken by the lender if payments are not made. Secured loans tend to have lower rates than unsecured loans for this reason.
Browse multi-purpose loans and loans for specific purposes, all designed for the UN community.
For unsecured loans, eligibility is dependent on a number of factors. These can include, but are not limited to, the member’s:
Members who joined UNFCU via UNA-USA or KI USA must be a member for at least 12 months to qualify for an unsecured loan.
Learn more about loan eligibility.
Disclosures