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U of I Community Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 13 November 2023
Fact checked

U of I Community Credit Union auto loans overview

U of I Community Credit Union logo

Whether you’re looking to buy or refinance, the University of Illinois Community Credit Union (UICCU) has auto loans with low rates and flexible terms. Qualified members can secure up to 125% financing and a variety of financing options for cars, motorcycles, boats, RVs, and more.

Want to see what a UICCU auto loan will cost? Try the U of I Community Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key U of I Community Credit Union auto loan features

  • Minimum loan amount: $15,000 for 75-month financing and more than $40,000 for 84-month financing.
  • Maximum loan amount: Up to 125%.
  • Interest rates: As low as 4.75% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

U OF I COMMUNITY CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

U of I Credit Union has competitive auto loans for new and used cars, trucks, motorcycles, and more. For 2017 and newer models, rates are as low as 4.75% APR. Meanwhile, 2016 and older vehicles start at 7.00% APR. Keep in mind that repayment periods can extend for up to 84 months, but restrictions may apply.

Recreational vehicle and boat loans

You can finance boats and a range of recreational vehicles, too. APRs for 2017 and newer vehicles start at 4.75% and 7.00% for 2016 and older models. Plus, terms are up to 84 months.

U of I Community Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
U of I Community Credit Union, Illinois

U of I Community Credit Union, Illinois auto loan

U of I Community Credit Union, Illinois auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate U of I Community Credit Union, Illinois auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a U of I Community Credit Union auto loan

Eligibility criteria

U of I Community Credit Union doesn’t disclose the requirements for vehicle loans, but you usually need to be:

  • A U of I Credit Union member
  • 18 years old or older
  • A legal resident
  • Employed or have a reliable source of income

Each financial institution has unique criteria. But in general, lenders offer the lowest annual percentage rate (APR) and longest term to borrowers with excellent credit scores. So, consider building your credit first to qualify for affordable car loans.

<h4How to join U of I Community Credit Union

You can join UICCU if you meet one of the following membership criteria:

  • Live or work in Champaign, Ford, Piatt, Douglas, Vermilion, Coles, Dewitt, Edgar, Iroquois, McLean, Moultrie, and Sangamon counties, IL
  • Family member of a current UICCU member
  • Employee or retiree of the University of Illinois at the Urbana/Champaign, UIC, and UIS campuses
  • Student at the University of Illinois at Urbana-Champaign
  • University of Illinois Allied Agencies
  • Employee or retiree of Illinois Bell Telephone Company, Ameritech or its affiliated subsidiaries, ATTIS, ATTCOM, Lucent Technologies, AT&T Technologies, Carle Hospital, pr Urbana Postal
  • Illinois State Agencies with a regional office located in Champaign/Urbana
  • Federal Agencies with a regional office located in Champaign/Urbana
  • The University of Illinois Research Park and employee of a tenant company
  • Member of the University of Illinois Alumni Association
  • Member of the University of Maryland Alumni Association
  • Member of the International Brotherhood of Electrical Workers of Local 601
  • Electrical contractor or employee of any Electrical Contractor under the jurisdiction of the International Brotherhood of Electrical Workers of Local 601

What you’ll need to have ready

Personal details

When you apply for auto financing with U of I Community Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide UICCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It’s also helpful to find out the steps in getting a car loan. Being familiar with the application process can guide you in your choices so that you can select the right loan for your vehicle purchase.

Ways to apply for a UICCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 217-278-7700 or 877-678-4328

Additional U of I Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but credit unions may take a day or more based on your application.
  • Rate discounts: Potential lower rates for borrowers with higher credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, digital banking, credit or debit card, in person, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible repayment options.
  • No payment for 90 days for qualified members.
  • Up to 125% financing.
  • Pre-approval offered.
  • Easy online application.
  • Multiple vehicle types available for financing – cars, trucks, motorcycles, boats, campers, jet skis, motor homes, and more.
  • Purchase and refinance available.
  • Multiple partner dealerships.
  • Convenient loan payment options – online and digital banking, credit or debit card, in person, and by mail.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Credit score of 600 or higher to qualify for the 90-day no payment.
  • Higher minimum loans for longer terms.

FREQUENTLY ASKED QUESTIONS

Can I apply for a U of I Community Credit Union car loan online?

Yes. You can apply for an auto loan through UICCU’s website.

How much interest does UICCU charge on auto loans?

2017 or newer vehicles start as low as 4.75% APR, while 2016 or older models begin at 7.00% APR. Note that rates may vary based on your credit history, loan term, and discount.

What is the maximum term of a U of I Credit Union vehicle loan?

Terms of up to 84 months are available, but it comes with certain restrictions.

Does U of I Community Credit Union refinance auto loans?

Yes. You can transfer your existing car loan to lower your interest rate or monthly payments.

How much do I qualify for with a U of I Credit Union car loan?

You can finance up to 125%. Keep in mind though that all loans are subject to credit approval.

How do I pay my UICCU auto loan?

You can make payments through online and digital banking, credit or debit card, a branch, and mail.

Video: Experience the difference at U of I Community Credit Union

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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