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Auto Refinancing

Refinance Your Auto Loan & Get 2% Cash Back! "Very helpful and friendly. I always recommend Universal 1 to friends and family. Excellent service."

A quick and easy online process with the low car loan rates and flexible terms you want! Earn 2% cash back* when you refinance your auto loan with U1. 

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.

With over 80 years of financing experience, we'll help you refinance your current (external) loan.

The best part?

Save money AND earn cash back!
Apply for a Universal 1 Auto loan

U1 vehicle loan benefits include:
 Low rates
 Flexible terms

 Lower monthly payments
 Quick & simple online or mobile-friendly application
 No-hassle processing
 No hidden fees
 Over 80 years of reliable, local service


Click below to view our auto loan rates.

Auto
Effective Date: 1/22/2021
TypeTermRates as low asAPR
2018 - 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.
2014 - 2017 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.
 


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*2% cash back up to $500 max. 2% cash back based on loan balance, excluding add-ons. Cash back will be credited to your U1 main share savings account 91 days after loan closing and may be reportable to the IRS for 2021. The deposit will not be made if your loan is paid in full by the 90th day after your loan closing. Other restrictions may apply. Promotion applies to refinanced automobiles only (motorcycles, boats, ATVs and RVs not included). External loan refinances only. Promotion excludes mortgages, credit cards, merchant loans, and variable rate loans. All loans are subject to credit approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rate and terms subject to change. Length of promotion is at U1’s discretion. 

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.

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