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  1. If applying for a secured Auto Loan to purchase a vehicle that will be purchased and used in the US, your approved loan amount could be up to 100% of the value of your vehicle per the Manufacturer’s Suggested Retail Price (MSRP) including tax, title, and licenses for new cars and the NADA Retail Value including tax, title, and licenses for used cars. If you plan on purchasing a vehicle in the US to be used outside of the US, please contact us.
  2. Members in Austria may qualify for a secured Auto Loan rate, but must first apply for the unsecured Auto Loan, which is displayed as the International Auto Loan in our online application system. Once a vehicle is purchased, the member can then provide UNFCU with the title for the vehicle and UNFCU will notify the member if he or she qualifies for the secured Auto Loan rate.
  3. If applying for an unsecured Auto Loan outside the US, which is displayed as the International Auto Loan in our online application system, your approved loan amount could be less than the amount you requested due to other loan obligations you have with UNFCU. UN consultants who have continuous UN contracts or related employment of six or more months and who are located in an eligible country can apply for unsecured loan amounts totaling $10,000 to $30,000, depending on the length of their continuous contract. For other eligible members, UNFCU lending policy permits a combined individual maximum amount of unsecured credit extended to be no greater than $150,000 including unused lines of credit, or $225,000 if the applicant has or is applying for an International Home Loan. Other factors including, but not limited to, credit quality and debt to income ratio may also impact your final loan terms.

Automobile Loans


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Automobile Loans

Finance a new or used personal vehicle with a UNFCU Automobile Loan.

Secured Auto Loan

(primarily for US)
  • Finance up to 100% of the value of a vehicle in the US1.
  • Your financed vehicle is used as collateral to secure the loan.
  • Choose between a variable or a fixed rate.
  • Members in Austria may also qualify for this loan2.
  • Additional rate reduction offers are available for fixed rate terms.

Unsecured Auto Loan

(for outside the US)
  • Finance vehicle purchases outside of the US3.
  • No collateral is needed to secure the loan.
  • Choose between a variable or a fixed rate.

Benefits of our Automobile Loans

  • No application fees or pre-payment penalties are required.
  • Free Credit Life Protection of up to $55,000 is automatically included for peace of mind in the event of a loss.

Receive up to 1.00% off your secured fixed rate Auto Loan.

If you are approved for a secured fixed rate Auto Loan and are purchasing a vehicle with less than 7,500 miles, we will apply an additional 0.25% off of your rate, up to 1.00% off, for every 5% you put down on your initial down payment.

Purchasing a car in the US?

Visit our Auto Center to research your next car.