auto loan

Looking for a new, or new-to-you, car? Get the car you want through United where we have competitive low rates and flexible payment methods to get you on your way. Because that’s what you should do with your car – just drive.


just drive

easy, speedy auto loans

With no application or processing fees, we help you focus on what’s important - enjoying the ride in your vehicle. Whether you’re buying for the first time or refinancing the car you have, we can help. Our low rates save you interest, with no processing fees. Get pre-qualified today so you’re ready to buy the car you want.

Rates as low as3.55% APR with an Ultra Checking account1

Check Rates

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.

competitive rates
flexible repayment terms up to 84 months1
borrow up to 115% of the vehicle's value
easy to apply
discount with an Ultra Checking account1
eligible for Skip-a-Pay
no application fees or prepayment penalties
helpful assistance online and in branch
Guaranteed Asset Protection Insurance
Mechanical Breakdown Protection
Debt Protection2

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 ways 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-Pay program.

Tips and Calculators

When to Refinance Your Car
How Refinancing Your Car Loan Can Save You Money

Advice Hub Article | 8/12/2020

If you aren’t happy with your current car loan payment, or if your financial situation has changed since you bought your car – it might be a good idea to think about refinancing to a better interest rate.

Read Article

Negotiate the Price of a New Car Like a Pro
Five Easy Steps to Get the New Car Price You Want

Advice Hub Article | 7/2/2020

Before you take to a car dealer, read these five easy steps to getting the new car price you want.

Read Article

Buy a New Car Without Leaving Home
Buy a Car Online

Advice Hub Article | 6/9/2020

Four easy steps that will help you purchase a new car online.

Read Article

good to know

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 hat if the vehicle is experiencing any issues prior to the purchase of the extended warranty, those issues may not be covered.

start driving today

still not sure?

Read our FAQs, learn about United, and contact us with your questions to make the decision easier.

United Routing Number: 272484894


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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.