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Auto Loans

A deal your whole family will enjoy.

Get 90 days of no auto loan payments1 when you finance with UNCLE.

Dogs wear sunglasses and get ready for a joy ride

Rates as low as 2.47% APR2

Cars, trucks, vans, minivans, SUVs, crossovers, convertibles, electrics, hybrids -- whatever you drive, get the perfect financing option for your vehicle. We offer low cost new, used and super used vehicle loans with competitive rates and terms.

Already financed somewhere else?

Ask us about refinancing -- you could lower your payments or even pay off your vehicle sooner!

1Qualified members may elect to defer their first payment for 90 days from the loan funding date. Interest will accrue during deferral period. Promotional offer valid from 05/24/2021 – 07/19/2021. Offer not available for existing UNCLE loans. Qualifying restrictions apply.
2APR = Annual Percentage Rate. Rates and terms subject to change. Rates are subject to credit approval and may be higher depending on payment term, credit rating, vehicle year, and other qualifications. Rates as low as 2.47% applies to 24 months or less term on a new vehicle. This rate does not apply to refinances of existing UNCLE auto loans. Payment example: For a $30,000 loan at 2.47% APR with a term of 24 months, the monthly payment will be $1,282.41.

Preferred Car Buying Experience

AutoSMART is here to make your car-buying experience easier before setting foot on a lot. Research, shop local dealer inventory and finance a new or used car, all in one place.

  • Select dealerships providing a professional, no-stress environment
  • Pre-arranged pricing on new and used vehicles
  • Dedicated Auto Buying Specialists to assist you throughout the process

Auto Loan Rates

New Auto Rates

Approximate TermAPR*
Up to 24 months2.47-17.69%
Up to 60 months2.77-18.44%
Up to 72 months2.84-18.69%
Up to 84 months3.24-19.19%
Up to 96 months6.82-7.57%
Vehicle must be two years or newer. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.

Used Auto Rates

Approximate TermAPR*
Up to 24 months2.47-18.34%
Up to 60 months2.77-19.09%
Up to 72 months2.84-19.34%
Up to 84 months3.24-19.84%
Vehicle must be between 3 to 6 years old. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.

Super Used Auto Rates

Approximate TermAPR*
Up to 60 months6.97-21.64%
Vehicle must be between 7 to 12 years old. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.

Contact Us

If you can't find what you're looking for on our site, give us a call at 800-34UNCLE or visit our Contact page for all the details.

Routing Number

UNCLE Credit Union's Routing / Transit number is: 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of June 24th, 2021

Uncle Credit Union BBB Business Review

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