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 Partners with Livermore ToyotaLivermore Toyota Preferred UNCLE Dealer

Take advantage of special VIP Diamond Benefits throughout our 60th Anniversary at Livermore Toyota. Contact your exclusive UNCLE Appointment coordinator, Alex Mancuso, at (925) 784-3361.

VIP Diamond Benefits include:

  • Special VIP Pricing on new and used vehicles for UNCLE members
  • 15% off all maintenance and repair services
  • Complimentary car wash, even if your vehicle is not in need of service
  • Complimentary shuttle to/from your location during business hours

NEW—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!


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.
* APR = 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 1.44% APR applies to terms up to 24 months on model year 2015 or newer. Payment example: For a $30,000 loan at 1.44% APR with a term of 24 months, the monthly payment will be $1,268.84.


New Auto

Approximate TermAPR*
Up to 24 months1.44-12.69%
Up to 60 months2.19-13.44%
Up to 72 months2.44-13.69%
Up to 84 months2.94-14.19%
Up to 96 months3.44-4.94%
Model year 2015 and newer. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Vehicle loans include street legal motorcycles.

Used Auto

Approximate TermAPR*
Up to 24 months1.84-13.34%
Up to 60 months2.59-14.09%
Up to 72 months2.84-14.34%
Up to 84 months3.34-14.84%
Up to 96 months3.84-5.84%
Model year 2011-2014. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Vehicle loans includes street legal motorcycles.

Super Used Auto

Approximate TermAPR*
Up to 60 months5.19-16.64%
Model year 2005-2010. *APR = Annual Percentage Rate. Rates and terms are subject to change. On approved credit. Vehicle loans include street legal motorcycles.


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 November 21st, 2017

Uncle Credit Union BBB Business Review