A better rate, a lower payment, and a little extra for the road—whether you refuel or recharge—up to $500.*
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
Wherever the road takes you, UNCLE can help you get there.
Enjoy competitive rates, flexible terms, and a loan process that keeps you moving forward.
Already have a vehicle loan somewhere else?
You could be paying more than necessary. Refinance with UNCLE and you may be able to lower your monthly payment, reduce the amount of interest you pay, or even pay off your vehicle sooner.
Wherever the road takes you, UNCLE can help you get there.
Enjoy competitive rates, flexible terms, and a loan process that keeps you moving forward.
Already have a vehicle loan somewhere else?
You could be paying more than necessary. Refinance with UNCLE and you may be able to lower your monthly payment, reduce the amount of interest you pay, or even pay off your vehicle sooner.
Auto Loans
| Type | Approximate Term | APR |
|---|---|---|
| New Auto (2025 or newer) | Up to 24 months | 4.29-18.79% |
| New Auto (2025 or newer) | Up to 60 months | 4.79-19.29% |
| New Auto (2025 or newer) | Up to 72 months | 5.09-19.59% |
| New Auto (2025 or newer) | Up to 84 months | 5.29-19.79% |
| New Auto (2025 or newer) | Up to 96 months | 6.29-6.79% |
| Used Auto (2020-2024) | Up to 24 months | 5.49-21.99% |
| Used Auto (2020-2024) | Up to 60 months | 5.99-22.49% |
| Used Auto (2020-2024) | Up to 72 months | 6.29-22.79% |
| Used Auto (2020-2024) | Up to 84 months | 6.49-22.99% |
| Super Used Auto (2014-2019) | Up to 60 months | 10.49-11.49% |
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.
Auto Buying Services
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.
- 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
Update your Auto Insurance
Easily upload your auto insurance information using 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.
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