Auto Loans

About this time, you may know what your next car is. Maybe it's a shiny new sports car. Or perhaps a pre-owned minivan to tote the soccer team. It's an important decision for you, but it doesn't matter to us. We offer the same low rate for new or used cars. Doesn't that make it easier to shop? Look at everything we offer:

  • Zero down! 100% financing, including tax, license and mechanical breakdown insurance so you can enjoy zero down
  • Terms up to 60 months for lower monthly payments
  • Terms up to 72 months available for purchase prices of at least $25,000




New Auto Loans Rates*
Effective 04.17.2014  
All rates and terms subject to change without notice  
Term  80% Financing APR  100% Financing APR  
36 Months  1.74%  1.84%  
48 Months  1.74%  1.84%  
60 Months  1.89%  1.99%  
72 Months  1.99%  2.09%  


Used Auto Loans Rates*
Effective 04.17.2014  
All rates and terms subject to change without notice  
Term  80% Financing APR  100% Financing APR  
36 Months  1.74%  1.84%  
48 Months  1.74%  1.84%  
60 Months  1.89%  1.99%  
72 Months  2.49%  2.59%  


*Representative monthly payment example per $1,000: $85.61 for 12 months at 5.00% APR, $43.87 for 24 months at 5.00% APR, $29.97 for 36 months at 5.00% APR, $23.03 for 48 months at 5.00% APR, $18.87 for 60 months at 5.00% APR, and $16.10 for 72 months at 5.00% APR.

Important Notes — Auto, Motorcycle, Boat and RV Loans
  • Rates displayed are Annual Percentage Rate. Rates and payments start as low as the above published rates, and are based upon applicant credit evaluation, as determined by applicant's credit, payment history purchase price or retail value of used vehicle.
  • Rates for auto loans, motorcycles, boats and RV's include a 0.25% interest rate discount for direct deposit or automatic payment to loan from any USCCU or non-USCCU account. Contact USCCU for maximum loan terms.




Download our complete ratesheet.

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