Auto loan financing the simple way. 
Car, truck or RV...if it's got wheels, we've got a loan. Enjoy driving the vehicle you want, with payments you can afford! Discover the benefit of being pre-approved with U1 before visiting a dealership.
We'll help you buy a new or used vehicle, or refinance your current loan. A quick and easy online process with the low car loan rates and flexible terms you want!
The best part?
Get started today! Membership Eligibility: Find out how to become a Universal 1 member. |
U1 vehicle loan benefits include:
Low rates
Flexible terms
Quick & simple online or mobile-friendly application
No-hassle processing
No hidden fees
Over 80 years of reliable, local car financing service
Click below to view our auto loan rates.
Auto Effective Date: Saturday, January 22nd, 2022
Type Term Rates as low as APR
2019 - Newer
Up to 63 months
2.79%
2.87%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $20,000 loan with a $40 application fee for 63 months and a monthly payment of $342.33.
2015 - 2018
Up to 63 months
3.99%
4.07%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $20,000 loan with a $40 application fee for 63 months and a monthly payment of $353.10.
For additional Auto rates and terms, please call 800-762-9555, option 0.
RATES Want more convenience? Make payments & manage your account easily by signing up for Online/Mobile Banking!
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* APR = Annual Percentage Rate. Loan rate not lower than 2.79%. All loans are subject to credit approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rate and terms subject to change. Go to main navigation