young couple sits in a car while the man plays a guitar

Auto Loans

Don't Wait For Your Next Adventure

Apply

car buying

Drop your Auto loan rate by up to 2% by refinancing

Apply Now

Low Auto Loan Rates for Both New & Used Vehicles

With a UTF auto loan, you don’t have to wait for approval. We offer quick pre-approvals so you can into that new vehicle fast.

As a not-for-profit financial institution, we’re able to offer some of the best auto loan rates in the business. In fact, you can receive a rate as low as 1.99% APR*. Plus, you’ll experience a wide range of other perks including:

  • Star class="wrapper">

    New & Used Vehicles

  • Calendar class="wrapper">

    Flexible Loan Terms For Up to 72 Months*

  • LowRates class="wrapper">

    Rates as low as 1.99% APR*

  • DollarZero class="wrapper">

    No Application Fees

Boats, Motorcycles & RVs, Too

We don’t limit our auto loans to cars and trucks. We also approve loans for boats, motorcycles and RVs, too. Whatever dream you have, we’re here to help make it happen.

motorcycle
Car Finder Tool

Search Local Dealerships With Our Car Finder Tool

With our car finder tool you can browse a large selection of cars and trucks online from a variety of nearby dealerships. We can help you find a car and get you pre-approved without leaving the comfort of your home.

Search Car/Truck Inventory

Apply for Your Auto Loan Online Today

Are you ready to take the first step towards purchasing a new or used vehicle? We make it easy to get started quickly.

Use our online form to apply online today.
Apply Now
Ask questions or apply over the phone.
866-462-5532

Disclosures

We’d Like You to Know: APR= Annual Percentage Rate. Rate advertised is based on credit worthiness and not the advertised rate. Rate drop of 2% with a floor rate of 1.99%. Not available for existing UTF auto loans. Offer ends 12/31/2021. Offer may end at any time. Must provide proof of current rate. Terms and conditions apply. Member NCUA.