auto loans
Start your engine and put your car search into drive with an auto loan from United.
just drive
on your mark. get set. drive!
No matter what kind of car you’ve had your eye on, now is the time to shift your search from look to buy. Get an auto loan from United today and take advantage of these special offers. With no application or processing fees, we help you focus on what’s important - enjoying the ride in your vehicle.
current rates
Please select your state to see rates for your particular location. Check back as rates are updated often.
we make car buying easy
United gives you the ultimate price transparency. See what others paid and get guaranteed savings with United’s Car Buying Service. We provide all of the great service and security of the big banks and dealerships, plus more.
we're here for you
multiple payment options
We’ve been in your shoes and prefer the convenient and easy part of life. That’s why we have multiple loan payment options to make a secure loan payment, including QuickPay®.
Need a break from your monthly loan payments? We’ve got you covered with our Skip-a-Payment program.
FAQ
A: Yes, United Auto Loans can be used for new and used vehicles sold at dealerships, as well as private party purchases.
A: Once you drive off the lot, your vehicle is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss.
Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft.
It also includes Auto Deductible Reimbursement (ADR), which reimburses up to $500 per "fender bender" insurance claim for 3 years, and you can receive $1,000 off your new loan balance if your vehicle is totaled and you finance the replacement vehicle through United.
GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan. The coverage cannot be combined across loans.
A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.
A: Mechanical Breakdown Protection, covered through Route 66 Warranty, offers assistance when your car breaks down unexpectedly. Even the most reliable vehicle can develop a mechanical problem. No matter where you travel in the United States, MBP protects you against major mechanical expenses and there is no deductible on covered parts or labor.
MBP comes with rental car allowance and 24/7 emergency service including towing, lock-out service, battery jump starting, flat tire assistance, and minor adjustments.
A: Yes, salvage and rebuilt titled vehicles qualify for United's Auto Loan, though only by a percentage of the rough trade-in value of the vehicle.
A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan.
The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not.
A: Yes, GAP can be added at any time to an existing loan with qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.
A: Yes. An extended warranty can be added to any eligible vehicle as long as you own the loan and a warranty is available for purchase, even if the loan has been paid off. The extended warranty can be purchased with cash or be financed through a refinance of the loan. Please be aware that if the vehicle is experiencing any issues prior to the purchase of the extended warranty, those issues may not be covered.
explore our financial calculators
Buying a vehicle is a big decision, and our auto loan calculators are here to help. Whether you’re looking at a new or used vehicle, estimating monthly payments, or comparing loan options, these tools give you the confidence to make smart choices.
[1] APR=Annual Percentage Rate. Subject to Credit Approval. Rates accurate as of 2/1/2025 and are subject to change without notice. A premium of 0.00%-1.00% applies to loans with 100% Loan to Value (LTV) or higher, varying by credit score and Loan to Value (LTV).
[2] Advertised APR for well-qualified borrowers with 36-month term and all available discounts. Available APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. See all available rates. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. Advertised rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.
[3] Up to 84 months financing available. Certain restrictions apply.
[4] Debt Protection products are available independently of credit, are not a condition of credit, are provided by a third party partner and not insured by NCUA. You will receive additional information before you are required to pay for Debt Protection, which will include a copy of the contract containing the terms and conditions of Debt Protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving Debt Protection. See the contract for a full explanation of the terms and conditions of the program. First payment must be made within 90 days to be eligible for GAP coverage.
[5] 0.25% discount applicable on hybrid and electric vehicles only.