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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!

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 months4.99-21.94%
Up to 60 months6.12-22.69%
Up to 72 months6.19-22.94%
Up to 84 months6.59-23.44%
Up to 96 months7.59-8.19%
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 months7.07-23.59%
Up to 60 months8.12-24.34%
Up to 72 months8.19-24.59%
Up to 84 months8.59-25.09%
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 months11.72-26.39%
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.

Need to Update your Auto Insurance?

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

UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 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 March 4th, 2024

Uncle Credit Union BBB Business Review