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UWCU Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 13 November 2023
Fact checked

University of Wisconsin Credit Union auto loans overview

UniversityofWisconsinCU logo

Chartered in 1931, the University of Wisconsin Credit Union (UWCU) helps members access a range of affordable vehicle loans with long repayment plans. Whether in dealers or private sellers, members can secure pre-owned and new cars, motorhomes, campers, travel trailers, sailboats, ATVs, and more. Additionally, UW Credit Union offers rate discounts and convenient car-buying services.

Want to see what a UWCU auto loan will cost? Try the University of Wisconsin 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 features

  • Minimum loan amount: $1,000.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.57% APR.
  • Loan terms: 36 to 84 months.
  • Loan fees: Late fee.
  • Discounts: Rate discounts with Value or Premium Rewards Checking.

UW CREDIT UNION AUTO LOAN OPTIONS&nbsp

New and used auto loans

Whether you want to purchase a new or used car, truck, or motorcycle or refinance one, you can get a low-rate auto loan at UWCU. New vehicle loans can be as low as 6.57% APR, and terms can be up to 84 months. Meanwhile, used auto loans start at 6.62% APR with repayment terms extending up to 72 months.

RV, boat, and powersport loans

If you’re up for adventure on the road or the waves, you can also apply for loans tailored to recreational vehicles, boats, and powersports. For as low as 6.72% APR, you can finance motorhomes, campers, travel trailers, power boats, sailboats, and more for up to 180 months. Then, ATVs, UTVs, jet skis, snowmobiles, and accessories begin at 10.68% APR with terms of up to 36 months.

University of Wisconsin 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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University of Wisconsin Credit Union

University of Wisconsin Credit Union auto loan

University of Wisconsin 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 University of Wisconsin 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 UW CREDIT UNION AUTO LOAN

Eligibility criteria

Although UW Credit Union doesn’t indicate the specific criteria to qualify for vehicle loans, you typically need to be:

  • 18 years old or older
  • A legal resident
  • A UWCU member
  • Employed or have a stable income

Before you apply, ensure you have a healthy credit score, too. This will help you qualify for lower interest rates and longer terms. Plus, you increase your chances of getting approved.

How to join the University of Wisconsin Credit Union

You can be a UWCU member if you meet one of the following:

  • Wisconsin resident enrolled at or has previously attended any accredited institution of higher education nationwide
  • Live, work, or attend school within 5 miles of any UWCU branch location
  • Employee, student, or alumni of selected UW schools, colleges, and extensions
  • Current or former employee of affiliated organizations
  • Immediate family member of any person eligible for membership

What you’ll need to have ready

Personal details

When you apply for auto financing with the University of Wisconsin 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 UWCU 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.

You may also need to prepare your credit score and information on your vehicle. This includes the year, make, and model, vehicle identification number (VIN), and asking price. Having these on hand during your application can speed up the process.

Ways to apply for a University of Wisconsin Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 608-232-5000 or 800-533-6773

Additional FSUCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% APR discount for borrowers with Value or Premium Rewards Checking.
  • Repayment frequency: Monthly.
  • Late payment fees: $10 or 5% of the monthly payment.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Web branch, mobile app, over the phone, and by mail.
  • Hardship program: You can contact the Collections Department at 800-533-6773, ext. 2828.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible repayment terms.
  • Quick loan approval.
  • Low minimum loan amount.
  • Discounted rates for Value or Premium Rewards Checking account holders.
  • Easy online application.
  • Convenient auto-buying services offered.
  • Online pre-approval available.
  • Optional payment protection, guaranteed asset protection (GAP), and vehicle repair coverage available.
  • Dealership, private seller, and lease buyout allowed

Cons

  • Membership required.
  • Late payment fee.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does the University of Wisconsin Credit Union charge on car loans?

New auto loans start as low as 6.57% APR, while used auto loans begin at 6.62% APR.

Are UW Credit Union auto loan interest rates fixed or variable?

The University of Wisconsin Credit Union offers fixed interest rates so that you can easily manage your monthly payments.

What is the maximum length of a UWCU vehicle loan?

You can choose terms extending up to 84 months.

Are there discounts available on UW Credit Union auto loans?

You can get a 0.25% APR discount if you have a qualified Value or Premium Rewards Checking account.

Does UW Credit Union refinance vehicle loans?

Yes. You can transfer your auto loan to UWCU and get 90 days free from payments or interest charges.

How many pay slips does UWCU require during my auto loan application?

You need to provide your pay stub from the last month or bank statements from the last 6 months.

How long does UW Credit Union take to approve car loans?

You may receive the loan decision within 1 business day. Remember though that it may take longer if you need to provide more documentation. Alternatively, you can get preapproved online in minutes.

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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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