UCFCU will be closed on Thursday, November 26, 2020 and Friday, November 27, 2020 in observance of the Thanksgiving Holiday. UCFCU wishes you and your family a Happy and Blessed Thanksgiving.

New & Used Auto
Home > Products & Services > Loans > New & Used Auto

New & Used Auto

New and Used Autos — The perfect loan for you!

New Autos Used Autos 1st Time Auto Buyer
(No Credit History Established)
Title Loans
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. 

Apply Online   View Rates Auto Buying Services

*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.

Online Banking

What can you do with UCFCU’s Online Banking? 

Learn More >

Our Credit Union Mission

Our mission is to build a strong life-long financial relationship with our members, their families, Parish Communities and Affiliated Organization as a trusted partner for their financial needs, success and goals.

Learn More >

Automobile