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auto loans
For a limited-time new purchase and refinance rates start as low as 2.99% APY for 36 months.1
finance new and used vehicles
start your engine!
Thinking about buying or refinancing your vehicle? There’s no better time to make your move. Lock in auto loan rates as low as 2.99% APR for 36 months1 when you set up autopay from your United checking account. It’s a simple way to save more while getting behind the wheel of something new (or lowering your current payment). But don’t wait—this limited-time offer is only available through August. If a car is on your summer to-do list, let’s get it checked off.
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.
auto loan features & perks
When it comes to auto loan financing, we know you have plenty of options—from national banks and other credit unions to dealership financing. But not all lenders are built the same. Below, we’ve highlighted some of the top reasons Members choose United as their trusted lending partner.
auto loan 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.
FAQ
While there isn’t a one-size-fits-all minimum, borrowers are generally considered for an auto loan at United Federal Credit Union with a credit score of 610 or higher. That said, approval isn't guaranteed nor based on your score alone and all loans are reviewed on a case-by-case basis. Factors that may influence a decision include:
- Income and employment stability
- Debt-to-income (DTI) ratio
- Requested loan amount and term
- Presence of a co-applicant or joint owner
- Membership relationship (new vs. existing member)
Not quite where you want your credit score to be? Connect with a member of Team United—we’re here to help you build a plan and work toward strengthening your credit profile.
No—while lending guidelines vary, United Federal Credit Union allows you to borrow up to 110% of a vehicle’s value¹ (loan-to-value, or LTV). That means, if approved, you’re able to finance your vehicle purchase without putting any money down.
[1] 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).
Absolutely! United offers financing for both new and used vehicles. Whether you’re buying from a dealership or a private party, we’ve got you covered. Please note that available term lengths and interest rates may vary based on the vehicle’s model year and mileage.
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.
related auto loan articles
How Refinancing Your Car Loan Can Save You Money
If interest rates or your credit score have changed, refinancing your car loan could put money back in your pocket.
Should You Buy or Lease Your Next Car?
Deciding on a new car is a big decision, and so is how you pay for it. Before you stop by your local dealership or start dreaming about custom options, first consider the pros and cons of buying or leasing your new ride. Check out these comparisons and determine the right road for you.
APR=Annual Percentage Rate. Subject to credit approval. Rates accurate as of 6/1/2026 and are subject to change without notice.
[1] Advertised APR for well-qualified borrowers with 36-month term and all available discounts. Available APR varies by state, as low as 2.99% 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 2.99% APR for 36 months equals $581.54 per month. Advertised rates shown include a 0.50% rate discount below the base APR for 80% loan to value and 0.25% rate discount automatic payments from a United checking account. Some conditions apply. **A 0.25% premium will be added to model years 2021-2017. A 0.75% premium will be added to model years 2016 and older.
[2] 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).
[3] A 0.25% interest rate discount is available when automatic payments are established from a United Checking account.
[4] Minimum loan amount of $25,000 or more for 84 month loans.
[5] Receive a rate discount of 0.50% on loans with Loan to Value (LTV) 80% or lower and a 0.25% rate discount on loans with Loan to Value (LTV) of 81-90%. Some restrictions apply.
[6] 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.