Auto Loan Promotion - Low Rates
Limited Time Auto Loan Promotion
Rates as low as 4.39% APR*!
We are currently offering a limited time Auto Loan Promotion!
Apply for a Loan
What You Get
Competitive rates — reduce your monthly payments with rates as low as 3.49% APR*
Scratch-off rewards — every approved loan gets a ticket revealing up to 1% APR* savings or Cardinals tickets plus a $100 gift card
Gift card drawing — all completed loans enter to win one of eight $50 gift cards
Prize wheel gift — choose a complimentary item when you close your loan
Key Features
Auto Loan Promotion Details
Date: May 1, 2026 - July 31, 2026
- All approved auto loans will receive a scratch-off ticket that reveals up to 1% savings towards the annual percentage yield (APR) or a grand prize of 2 Cardinals tickets with a $100 gift card.
- All closed auto loans will be entered into a drawing for 1 of 8 $50 gift cards.
- All closed auto loans will receive a complimentary gift from our prize wheel.
- Promotion includes refinances on cars, trucks, SUVs, campers, motorcycles, boats, ATVs and more!
Refinanced Auto Loans
- Receive 1%* cash rebate (up to $400) for auto loans refinanced from another lender.
- All refinanced auto loans will receive a scratch-off ticket that reveals up to 1% savings towards the annual percentage yield (APR) or a grand prize of 2 Cardinals tickets with a $100 gift card.
- All closed refinanced auto loans will be entered into a drawing for 1 of 8 $50 giftcards.
- All closed refinanced auto loans will receive a complimentary gift from our prize wheel.
*One percent cash back offer applies to refinance loans brought to United Credit Union from other financial institutions. Loan has to stay with UCU for 3 months and can be no more than 15 days delinquent at the end of those 3 months.
Warranty & Loss Protection
United Credit Union offers several benefits with auto loans!
Warranty
- Zero deductible
- Nationwide coverage
- 30 day money-back guarantee
- Transferrable
- And more!
DPW (Depreciation Protection Waiver)
- Benefit triggered by collision or comprehensive total loss
- Life of loan protection (no mileage, make, or year restrictions)
- 60 day money-back guarantee
GAP (Guranteed Asset Protection)
- Applies to new or used vehicles
- Covers your insurance deductible up to $1,000
- Payoff of your loan up to a certain loan to value maximum
- GAP covers automobiles, ATVs, boats, travel trailers, motor homes, jet skis, motorcycles, & snowmobiles.
- Credit up to $1,000 toward the financing of a replacement vehicle at UCU.
How To Apply
To apply for our Auto Loan Promotion, click the link below, call 573-581-8651 or visit your local branch to speak with a Member Service Representative and fill out a loan application. Applications are quick and easy with decisions within 24 hours!
Rates
| Secured Loans | ||
| Effective Date: Friday, May 1st, 2026 | ||
| Autos, Boats, RVs, Motorcycles, Etc. | ||
| Credit Score | Grade | APR* as low as |
| 740+ | A+ | 4.49% |
| 690 - 739 | A | 5.24% |
| 650-689 | B | 6.29% |
| 610-649 | C | 8.99% |
| 580-609 | D | 14.29% |
| 579 & Below | E | 17.04% |
| Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change. | ||
| Rates above include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 months. Longer terms available, please contact United for rate information. 1% will be added to the rate for non-titled vehicles such as ATVs/UTVs and equipment. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted. | ||
| Rates stated above are for 2025 and newer secured vehicle loans. | ||
*APR = Annual Percentage Yield. 3.49% APR* applies with 1% scratch-off ticket discount and direct deposit payments.
**1% cash offer applies to refinanced loans brought to United Credit Union from other financial institutions. Up to $400 cashback. Loan has to stay with United Credit Union for 3 months and must have 3 monthly payments made. Must be current on loan payments (no delinquencies). Promotion begins May 2026. See member service for more details.
