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Auto Loans

Better days are ahead. Get pre-approved and drive away with lower car payments today!

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

Close-up Of Asian Couple Putting Luggage In A Car Trunk during the day. The young couple helping each other unloading luggage. Portrait of the Asian family putting a suitcase into the car trunk, ready for a holiday together. Happy Asian young man and woman with their suitcase put in the car trunk. preparing for vacation.

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 06/12/2020 – 08/16/2020. Offer not available for existing UNCLE loans. Qualifying restrictions apply.

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

Rates

New Auto Rates

Approximate TermAPR*
Up to 24 months3.22-17.69%
Up to 60 months3.97-18.44%
Up to 72 months4.22-18.69%
Up to 84 months5.22-19.19%
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. Vehicle loans include street legal motorcycles. 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 months3.62-18.34%
Up to 60 months4.37-19.09%
Up to 72 months4.62-19.34%
Up to 84 months6.12-19.84%
Vehicle must be between 3 to 6 years old. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Vehicle loans includes street legal motorcycles. 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. Vehicle loans include street legal motorcycles. 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 July 8th, 2020

Uncle Credit Union BBB Business Review

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