Available when you allow U1 to roll out the red carpet and service your new or used auto loan from beginning to end! LET’S ROLL!
Our VIP Auto Rates are designed to offer you exclusive benefits and competitive financing, making it easier, faster and more affordable to get behind the wheel of your dream car. Whether you're eyeing a brand-new vehicle or a quality pre-owned one, we provide a tailored experience that ensures your auto loan journey is as smooth and rewarding as your ride. Here's everything you need to know about our VIP Auto Loan Rates:
Why choose U1 VIP Auto Rates?
Exclusive Interest Rates: Enjoy some of the lowest new & used car loan market rates, designed to save you money over the life of your loan.
Flexible Terms: Variety of loan terms that best fit your unique financial needs.
Quick & Easy Approval: Fast, straightforward approval process with minimal paperwork and no stress.
Personalized Service: As a VIP member, you'll have a dedicated auto loan expert to guide you from selecting the right car to securing the perfect loan.
No Hidden Fees: We believe in transparency, so there are no hidden fees or surprise charges along the way.
Extended Warranty Options: Protect your investment with available extended warranty plans for new and pre-owned cars.
Refinancing Options: Already have an auto loan? Let us help you refinance and potentially lower your current car loan rate.*
U1 VIP Auto Rates
Term
VIP Rates
VIP APR*
Dealer APR*
2024 - Newer
0-63 months
3.99% - 13.99%
4.05% - 14.06%
6.55% - 17.36%
64-75 months
4.49% - 10.24%
4.54% - 10.30%
6.74% - 14.91%
76-84 months
4.99% - 10.49%
5.04% - 10.54%
6.84% - 15.81%
2018 - 2023
0-63 months
4.99% - 14.24%
5.05% - 14.31%
6.85% - 17.36%
64-75 months
5.49% - 10.49%
5.54% - 10.55%
6.94% - 16.11%
76-84 months
5.99% - 10.99%
6.04% - 11.04%
7.04% - 16.91%
2014 - 2017
0-48 months
7.49% - 12.99%
7.57% - 13.08%
8.08% - 17.04%
Contact Us - VIP Auto Loans
To get started with your application, you can choose from any of the following options below. It’s your VIP experience; you decide what works best for you. Get in touch with us to begin your journey toward securing the best auto loan rates available!
It’s important to know how auto loans work before making a decision. Click the helpful links below to learn more so you can shop confidently and be in control of your budget.
For additional insights and tips, watch our Understanding Auto Loans video to avoid any unnecessary stress and discover how to get the best new or used car loan rates.
Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Hear what our members are saying
“Very helpful and friendly. I always recommend Universal 1 to friends and family. Excellent service.”
- Carol, U1 member since 2004
"Very respectful, helpful and I highly recommend U1 to anyone interested in any of their services. Went the extra mile to make sure I was able to get the vehicle loan in time. All around, 10/10 Customer Service,"
- Shane
"Universal 1 Credit Union is an exceptional credit union. I enjoy speaking to the bankers. They are very knowledgeable, hospitable and very helpful."
- Tisha, U1 member since 2018
"U1 was very friendly and knowledgeable. They made it extremely fast and easy to get the loan approved."
- Jacki
"You won't find better people and service anywhere else! The entire staff is very committed to making sure the members are cared for in any way possible"
- Phil, U1 member since 2018
"I just wanted to say thank you for the excellent service you provided us during the auto purchase with CarMax that didn't go as expected with them. You were very helpful and professional. Everything was done quickly and easily. You're doing a great job with over and above service which is very much appreciated."
- Joyce
*APR = Annual Percentage Rate. Loan rate not lower than 3.99%. All loans are subject to credit approval and may vary based on creditworthiness and amount financed. Financing through Universal 1 Credit Union may offer discounted rates compared to dealership financing. Vehicle loans can only be refinanced once every 12 months, and refinancing is subject to approval. Rates, terms, and conditions are subject to change. APR shown is based on a $25,000 loan with a $40 application fee for 48, 63, 75 & 84 months, respectively. Auto Loan Payment Example: loan amount of $25,000 for a 2024 or newer automobile and term of 63 months at 3.99% will have a monthly payment of $441.20. The example disclosed above is for our highest qualified borrowers.
