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University Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 15 November 2023
Fact checked

University Credit Union auto loans overview

University Credit Union logo

Whether you’re buying your first vehicle, refinancing, or upgrading, the University Credit Union (UCU) can help you get in the driver’s seat. UCU offers auto financing options with low APRs, flexible repayment plans, and multiple rate discounts. On top of these, you can benefit from the credit union’s auto-buying services and optional auto coverage.

Want to see what a UCU auto loan will cost? Try the University 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 University Credit Union auto loan features

  • Minimum loan amount: $7,500 to $35,000 depending on your loan term.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 4.49% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Automatic payment discount, repeat borrower discount, and Autoland rate discount.

UNIVERSITY CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

For a minimum of $7,500, UCU offers competitive rates and flexible terms whether you’re purchasing or refinancing. New and used car loans have rates as low as 4.49% APR and terms of up to 84 months. If you’re refinancing, your vehicle should be 2016 or newer and have less than 100,000 miles.

First-time auto buyer program

If you have limited or no credit history, you can still finance a vehicle and build your credit at the University Credit Union. Interest rates start at 7.49% APR, and you can choose repayment periods of up to 72 months.

Motorcycle loans

UCU offers loans for new and used motorcycles, too. You can secure rates from 10.74% APR. Plus, loan terms can be up to 72 months.

Recreational vehicle loans

Whether you want to go camping or sailing, UCU also has loans for recreational vehicles and boats. Starting at 10.74% APR, you can finance pre-owned and new RVs, ATVs, travel trailers, boats, and more. Additionally, you can pay your loan for as long as 180 months.

University 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
Florida State University Credit Union

Florida State University Credit Union auto loan

Florida State University Credit Union 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 Florida State University Credit Union auto loan
Oakland University Credit Union

Oakland University Credit Union auto loan

Oakland University Credit Union 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 Oakland University Credit Union auto loan
University Credit Union

University Credit Union auto loan

University Credit Union 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 University Credit Union 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 University Credit Union auto loan

Eligibility criteria

Though University Credit Union doesn’t reveal the exact criteria to obtain financing, you should normally be:

  • 18 years old or older
  • A legal resident
  • A UCU member
  • Employed or have a reliable source of income

It will also give your application a leg up if you build your credit since most financial institutions favor borrowers with excellent credit scores. This way, you improve your chances of qualifying for the lowest rates available.

How to join the University Credit Union

You can be a UCU member if you meet one of the following criteria:

  • Employees of University Credit Union
  • Students, employees, faculty, and alumni of any university, college, or other higher-learning institution in Southern California
  • Students, employees, faculty, and alumni of the California member universities of the West Coast Conference
  • Students, employees, faculty, and alumni of the universities of The Big West, the Western Athletic Conference, and Georgia Tech University
  • Employees and volunteers of J. Paul Getty Trust and individuals working at any Getty location
  • Employees of West Los Angeles VA Medical Center
  • Employees and immediate families of CBS Broadcasting Inc., Sony Records, Radford Studio Center, and their affiliates
  • Immediate family members and permanent household members of current members who joined through the above university or employer groups
  • Retirees of any of the employer groups above

What you’ll need to have ready

Personal details

When you apply for auto financing with University 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 UCU 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.

Besides the documents and information, ensure your budget is ready, too. If you can, try to make a down payment to lower your loan amount, interest rate, and monthly payment. In turn, you can save money overall.

Ways to apply for a UCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-828-4510

Additional University Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but loan approval may range from a day to a few weeks based on your application.
  • Rate discounts: 0.25% APR discount with autopay and 0.25% APR discount for members with a 6-month minimum positive UCU loan repayment history. Additional 0.25% APR discount when you buy your vehicle with Autoland.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Digital banking, over the phone, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2016.
  • Maximum vehicle mileage: Less than 100,000 miles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Long loan terms.
  • 0.25% APR discount with autopay.
  • 0.25% APR discount for repeat borrowers.
  • 0.25% APR discount with Autoland purchases.
  • First-time auto buyer program available.
  • 90-day deferred payment option.
  • Convenient auto-buying services available.
  • Optional Guaranteed Asset Protection (GAP) and Mechanical Breakdown Coverage (MBC) offered.
  • Co-applicants and co-signers allowed.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • $7,500 minimum loan amount.

FREQUENTLY ASKED QUESTIONS

Can I apply for a University Credit Union auto loan online?

Yes. You can easily apply for an auto loan online.

What information do I need to provide when applying for a UCU car loan?

The credit union will ask for details about yourself, like your name, address, contact information, and Social Security number. Plus, you need to provide information on your loan, such as the amount and term.

How much interest does the University Credit Union charge on auto loans?

Used and new auto loan rates begin at 4.49% APR.

Does University Credit Union refinance auto loans?

You can transfer your existing auto loan to lower your rate or shorten your term.

Are there discounts available on UCU vehicle loans?

UCU offers a 0.25% rate discount with autopay. If you maintain a minimum of 6 months of positive UCU loan repayment history, you can also get a 0.25% APR discount.

Video: Best rates in the nation guarantee*

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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