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PHONE: (925) 447-5001
ROUTING #: 321173072
FRAUD CENTER

Limited-Time Refinance Offer!

60 days of no payments + fuel incentive.*
Now through July 31, 2026.

Auto Loans

A better rate, a lower payment, and a little extra for the road—whether you refuel or recharge—up to $500.*

Happy Latin American woman refueling her car at a gas station and smiling

With rates as low as 4.29% APR, refinancing your auto loan with UNCLE could help lower your monthly payment.* And thanks to no payments for 60 days, you’ll have time to settle into your new loan and adjust your budget.

Plus, when your loan funds, you’ll receive a gas card incentive, up to $500, so you can start enjoying immediate value both in your monthly payment and on the road, whether you're plugging in your EV or stopping at the pump.

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!

Use AutoSMART™ to find your next car! A free online vehicle shopping tool.

AutoSMART™ is the easiest way to shop local dealers and find your next new or used car from the convenience of your phone or computer. Our online vehicle marketplace delivers a free, personalized car shopping experience with a wide selection of car inventory at your local dealerships.

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 months4.29-18.79%
Up to 60 months4.79-19.29%
Up to 72 months5.09-19.59%
Up to 84 months5.29-19.79%
Up to 96 months6.29-6.79%
New vehicles must be from the model year (2025) or newer. *APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Actual rates are determined by vehicle model year, loan term, and credit history. 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 months5.49-21.99%
Up to 60 months5.99-22.49%
Up to 72 months6.29-22.79%
Up to 84 months6.49-22.99%
Used vehicles must be model years 2020 through 2024. *APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Actual rates are determined by vehicle model year, loan term, and credit history. 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 months10.49-11.49%
Super Used vehicles must be model years 2014 through 2019. *APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Actual rates are determined by vehicle model year, loan term, and credit history. Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.

Need to Update your Auto Insurance?

No need to call or visit a financial center! Easily upload your auto insurance information on MyLoanInsurance.

*APRs as low as 4.29% for model year 2025+ vehicles and 5.49% for older vehicles as of 2020. Available rates and terms subject to change without notice. Not all approved applicants will qualify lowest available rates or first payment deferral. Payment example: Pay $581.66 per month on a $30,000 loan at 6.12% APR for 60 months.
All loans are subject to credit approval.
Gas card offer valid on vehicle refinance loans funded between June 1, 2026, and July 31, 2026. External auto loan refinances only. New loans and refinances of existing UNCLE loans do not qualify. Electric vehicles (EV): EVs qualify for this promotional incentive; however, a cash equivalent will be deposited into the member’s UNCLE account in lieu of a gas card.
Minimum qualifying loan amount $10,000. Valid email address required. Gas cards are delivered electronically via email 60-90 days after loan funds. Eligible refinance loans from $10,000.00 to $49,999.99 get a $250 gas card; eligible refinance loans $50,000 and up get a $500 gas card. UNCLE may substitute an electronic MasterCard gift card of equal value if for any reason gas cards are unavailable. Limit one incentive per loan.
Interest accrues during the 60-day deferred payment period. Deferring payments will result in a higher total finance charge over the life of the loan.
Membership eligibility required. Other restrictions may apply. UNCLE Credit Union reserves the right to modify or cancel this promotion at any time.
Gas card incentives may be considered income and may be reported to the IRS. Consult a tax advisor regarding your specific situation.
Federally insured by NCUA.
UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

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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. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of June 10th, 2026

Uncle Credit Union BBB Business Review