Auto Loans

Auto Loans

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!

UNCLE Licensed Car

Limited time offer - No Payments for 90 days!1

We know what you are driving at - lower monthly payments.

We make that happen with competitvely low interest rates and a wide choice of flexible terms so your payments are more affordable.

1. Qualified 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 05/01/2019-07/31/2019. Offer not available for existing UNCLE loans.

DMV Registration through UNCLE

Tired of waiting in line at the DMV? You can now register or renew your vehicle through UNCLE. Book your appointment today!

Car buying made easy through Autoland

As an UNCLE member, you have access to Autoland, a premier auto buying service that makes buying your next vehicle affordable, easy and hassle-free. Speak with an Autoland consultant by phone at 800.234.6999 or set up an appointment to meet with a consultant at the branch nearest you. Or go online to shop for and locate the vehicle you want by clicking on the banner below.

Credit Union Direct Lending® (CUDL)

We recommend that members get pre-approved before shopping for a car, but if you find yourself at the dealership ready to buy, we can still provide low-cost financing, thanks to our relationship with Credit Union Direct Lending® (CUDL).

More than 600 participating dealerships across California and Nevada can approve your auto loan on site.

  • To find a list of participating dealers, go to AutoSMART or call the dealership locator at 888.CUDIREC(T).
  • When you're ready to buy, mention to the dealership you want financing through UNCLE Credit Union.

Rates

New Auto Rates

Approximate TermAPR*
Up to 24 months2.82-15.69%
Up to 60 months3.57-16.44%
Up to 72 months3.82-16.69%
Up to 84 months4.32-17.19%
Up to 96 months4.82-5.57%
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 months3.22-16.34%
Up to 60 months3.97-17.09%
Up to 72 months4.22-17.34%
Up to 84 months4.72-17.84%
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 months6.57-19.64%
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 20th, 2019

Uncle Credit Union BBB Business Review

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