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.