Consumer Loan Rates
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Consumer Loans
NameLoan Term (in Months)APR* As Low AsEstimated Monhly Payments (per $1,000)4<./sup>
New Auto and Truck1, 2      
  60 1.00% $17.75
  72 2.25% $15.09
  84 2.99% $13.44
Used Auto and Truck1, 2      
2015 - 2018 36 1.74% $28.64
  60 2.24% $17.64
  72 2.49% $15.19
Used (Older) Auto and Truck1, 2      
2010 - 2014 36 3.49% $29.52
  60 3.74% $18.53
New and Used Motorcycles1, 2      
2012 and Newer 60 6.24% $19.68
  72 6.49% $17.05
Personal Water Craft (Jet Skis, Wave Runners and Dirt Bikes1, 2
2019 and Newer 60 4.24% $18.76
  72 4.49% $16.11
  144 5.24% $9.63
  120 4.99% $10.73
Used Recreational Vehicles (include boats)1, 2
2012 - 2018 60 4.99% $19.10
  72 5.24% $16.46
  72 5.48% $14.61
Title Loans1,2 24 17.00% $49.69
  36 17.25% $36.04
  48 17.50% $29.12
Personal Unsecured1,2,3
Appliances, TVs, outdoor/indoor furniture,
pet purchase, auto repairs, botox, etc.
36 4.99% $30.20
  60 5.99% $19.57
  72 6.49% $17.05
  84 7.49% $15.59
Ready Cash - Personal Line of Credit 1,2,3
  Open-End 7.90% Payment is 2.5% of Loan Balance at last cash advance
PAL Pay Day Alternative1,2,3
  6 23%  

 

*APR = Annual Percentage Rate. Rates shown are in the lowest rates possible for qualified borrowers. Actual APR may be higher depending on applicant's credit evalutaion, year of collateral, term, and other underwriting factors. All loans are subject to approval. Rates are subject to change without notice.

1Lowest Rates shown includes .50% discount (.25% Automatic Payment Transfer, ACH or Payroll Deduction) and (.25% for Direct Deposit of paycheck, social security or pension) to UFCU.

2Rates and terms may vary depending on loan amount and underwriting factors.

3Maximum aggregate Unsecured Loan Limits (include ReadyCash, Unsecured and UCFCU Visa Credit Card) are not to exceed $25,000

4Estimated Payment calculated with no discounts.

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