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Apply for an Auto Loan
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- Great rates
- Flexible terms
- Local service
- 24/7 lending center
- Easy & quick approval process
Ways to Save
We'll reduce your rate by 0.25% APR** if the car you purchase is designated as a SmartWay vehicle by the EPA. Find out if your car qualifies!
USACU Visa Platinum Reward Points
Redeem 10,000 of your Visa Platinum reward points for a 0.25% reduction in your auto loan interest rate.
Credit issues? You can save too!
Pay & Save Auto Loan
For every 12 months of timely payments you make, we lower your rate by 0.50% APR* - this saves you money over the life of your loan as you pay the balance off faster, while you build better credit and healthier financial habits.
*APR = Annual Percentage Rate. Beginning on the first loan anniversary date, your interest rate will be reduced by 0.50% annually, provided you have made each payment during the previous 12-month period on or before its due date. The new interest rate will apply beginning on the anniversary date each year. Your rate will never be less than 5.00% APR. If your loan does not qualify for a rate reduction one year, it could still qualify in subsequent years in which each payment is made on or before its due date. If your loan becomes delinquent by more than 60 days at any time, you will not be eligible for future rate reductions. Any rate reductions will result in fewer payments; the amount of your payment will remain the same.
**APR = Annual Percentage Rate.