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United Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 14 November 2023
Fact checked

United Federal Credit Union auto loans overview

United Federal Credit Union logo

United Federal Credit Union boasts a range of vehicle loans with low APRs, flexible payment plans, and minimal fees. Members can secure financing options tailored to pre-owned and new cars, recreational vehicles, boats, motorcycles, and more. Plus, United FCU offers various rate discounts, cashback promos, and auto insurance.

Want to see what a United auto loan will cost? Try the United Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key United Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 115%.
  • Interest rates: As low as 6.10% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application or processing fees.
  • Discounts: Discounted rates with Ultra Checking accounts and for qualifying hybrid or electric vehicles.

UNITED FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re purchasing or refinancing, United has auto loans with low rates and long terms. New and pre-owned vehicles have rates as low as 6.10% APR, and you can choose terms up to 84 months.

Boat and RV loans

If you want to explore, United FCU also offers up to 100% financing of new and used boats and recreational vehicles. You can choose from a range of vehicles, like fishing boats, cabin cruisers, motorhomes, travel trailers, and more. Rates are as low as 7.85% APR, and the maximum term is 180 months.

Motorcycle, ATV, personal watercraft, and snowmobile loans

You can finance new and used motorcycles, ATVs, personal watercraft, and snowmobiles, too. Interest rates go as low as 7.20% APR, and you can borrow up to 115% of the vehicle’s value. Plus, you can pay your loan for up to 84 months.

Other vehicle loans

For other vehicles, like UCCed vehicles, lawnmowers, tractors, golf carts, and more, rates start at 11.39% APR. Additionally, you can borrow up to 115% and stretch your payments for up to 60 months.

United Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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United Federal Credit Union

United Federal Credit Union auto loan

United Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate United Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a United Federal Credit Union auto loan

Eligibility criteria

United Federal Credit Union doesn’t disclose the criteria for vehicle financing, but you commonly need to be:

  • A United member
  • 18 years old or older
  • A legal resident
  • Employed or have a steady source of income

Consider building good credit, too. Remember that an excellent credit score can show lenders you don’t have issues in managing debts. So, they may offer you lower interest rates and longer repayment options.

How to join United Federal Credit Union

United FCU membership is open to those who meet one of the following criteria:

  • Live, work, worship, or attend school near one of United FCU’s branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio
  • Employees or retirees from one of United FCU’s Corporate Members
  • Immediate family members of United’s members

What you’ll need to have ready

Personal details

When you apply for auto financing with United Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide United FCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

In case you already know the vehicle you want to finance, you may need more details. These may include the vehicle’s year, make, model, trim, and mileage. So, preparing them ahead can save you some time during your application.

Ways to apply for a United FCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (888) 982-1400

Additional United auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.10% APR discount with an Ultra Checking account and 0.25% discount on hybrid and electric vehicles.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible loan terms.
  • Up to 115% financing.
  • No prepayment penalty.
  • No application or processing fees.
  • 0.10% discount with an Ultra Checking account.
  • 0.25% discount on hybrid and electric vehicles.
  • $100 cash back or 90-day delayed payment.
  • Dealership and private-party purchases allowed.
  • Convenient auto-buying services available.
  • GAP coverage, mechanical breakdown protection, and debt protection offered.
  • Salvage and rebuilt titled vehicles qualify.

Cons

  • Membership required.
  • Added premium of 0%-1% to loans with 100% loan-to-value (LTV) or higher.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does United FCU charge on car loans?

United’s auto loans range from 6.10% to 18% APR. Remember though that base rates vary by state, credit, vehicle age, and loan term.

Are United Federal Credit Union auto loan interest rates fixed or variable?

United FCU’s car loans have fixed interest rates.

What is the maximum term of a United vehicle loan?

You can secure auto loans with terms of up to 84 months.

Are there discounts available on United FCU car loans?

You may qualify for a 0.10% discount with an Ultra Checking account. Plus, you may get a 0.25% rate discount if you purchase a qualified hybrid and electric vehicle.

Are there early repayment fees on United auto loans?

None. United FCU doesn’t charge prepayment penalties when you pay off your loan earlier.

How do I pay my United Federal Credit Union car loan?

You can pay your auto loan through online banking, the phone, mail, and person.

Video: United Federal Credit Union | Auto loans

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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