Auto Loans

Our Great Rates Put YOU Behind the Wheel!

The car you want is within reach with our low rates. We’ll work with you to get you set up with an affordable car loan that meets your needs.

The Low Down on a USE Auto Loan:

  • We offer auto loans on New and Used Vehicles
  • Competitive Interest Rates starting as low as 2.50% APR*
  • Flexible loan terms up to 84 months*
  • No penalties for early repayment
  • Quick approval process
  • Option to add various payment protection products, such as Credit Life and Disability Insurance, Extended Warranties, and Guaranteed Auto Protection
  • Convenient automatic payment transfer for all auto loans

Use our Loan Payment Calculator to estimate your monthly payment! Feel confident at the car dealership knowing what you can afford and what you should be paying for that new or used vehicle.

Refinancing Your Auto Loan is Easy and Fast!

If you’ve already financed your auto at the dealer or through another financial institution, you may be paying way too much! Save money on the car you’re already driving by refinancing through USECU. We’re confident that you’ll love your car more when it costs you less!

Rates

TypeAPR
NEW Autos
Up to 36 months Rates as low as 2.50% - 13.50%
Up to 48 months Rates as low as 2.75% - 13.75%
Up to 60 months Rates as low as 2.99% - 14.50%
Up to 72 months Rates as low as 3.25% - 15.25%
Up to 84 months Rates as low as 4.25% - 15.75%
USED Autos
Up to 36 months Rates as low as 2.75% - 13.75%
Up to 48 months Rates as low as 2.99% - 14.25%
Up to 60 months Rates as low as 3.50% - 14.75%
Up to 72 months Rates as low as 3.75% - 15.25%
Up to 84 months Rates as low as 4.75% - 15.75%
6 – 10 years old Rates as low as 5.75% - 16.50%

Certain credit criteria and restrictions apply.
*APY is Annual Percentage Yield.
Loan rates effective May 1, 2020, and are subject to change.
USECU does offer 100% financing. However, down payments may be required depending on the type of loan and credit experience.
A fixed rate loan for $20,000 based on an 2.99% APR paid over 60 months would have 60 monthly payments of $359.31.
**The maximum loan term is dependent on the age of the vehicle.

For additional information, contact a Member Service Representative at 713-595-3400 or send an email to: info@usecreditunion.com.