New and Used Autos
New and Used Autos — The perfect loan for you!
1st Time Auto Buyer(No Credit History Established)
|Up to 100% financing||Up to 100% financing||Up to 80% financing*||Up to 50% financing**|
|Dealer Purchase||Dealer Purchase, Private Party or Lease Buyout||Dealer Purchase, Private Party or Lease Buyout||Must be registered owner|
|Refinance your existing Bank Auto Loan or Newly Purchased Auto||Refinance your existing Bank Auto Loan with UCFCU||Refinance your existing Bank Auto Loan with UCFCU|
Simple ways to apply: You can apply online, call or visit the credit union
Benefits & Features:
- Competitively low rates
- Flexible terms mean lower payments
- Up to 60 days No Payments
- .50% rate discount (.25% for automatic payment and .25% for using a UCFCU Direct Deposit)
- No need to come in! Most loans can be handled through our online services.
Apply for Pre-approval
A pre-approval can help speed up the deal when purchasing a vehicle. You can usually ask to see the sales manager or fleet manager vs. a sales person.
- A pre-approval gives you the green light to shop.
- A pre-approval secures your financing.
- A pre-approval can help you find the loan that fits your budget.
*1St Time Auto Buyer (No Credit History) - We offer a 1st Time Auto Buyer Program- for those with minimum or without credit established (no derogatory credit)? Qualifications are: Borrower must be at least 18 years old, minimum employment 12 months with present employer, up to 80% financing, up to $15,000 maximum loan amount, up to a term of 60 months, additional terms and conditions may apply.
**Title Loans up to 50% of Wholesale, maximum loans $10,000, term may vary depending on the loan amount, year of vehicle, title must be in the borrows name, clear title, member in good standing, must be personal use vehicle.
All loans are subject approval. Terms and conditions may vary depending on the individuals credit history, ability to repay, loan amount, value of collateral and year of vehicle.