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.
Let's sweeten that deal with no payments for the first 90 days!
Applies to new, used, or refinanced auto loans.* A quick and easy online process with the low car loan rates and flexible terms you want!
U1 vehicle loan benefits include:
Low rates
Flexible terms
Quick & simple online or mobile-friendly application
No-hassle processing
No hidden fees
Over 85 years of reliable, local car financing service
Get started today! Membership Eligibility: Find out how to become a Universal 1 member. |
Click below to view our auto loan rates.
Auto Effective Date: Wednesday, August 17th, 2022
Type Term Rates as low as APR
2019 - Newer
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.
2015 - 2018
Up to 63 months
5.19%
5.27%
*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 $364.08.
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 3.99%. 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. Promotion applies to all new, used and refinanced automobiles (motorcycles, boats, ATV’s and RV’s not included). Direct loans only. External loan refinances only. Promotion excludes mortgages, credit cards, merchant loans, and variable rate loans. Interest will continue to accumulate on your loan during the 90 days of no pay. Your regular loan payment will resume the month following the 90 days. 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. Promotion ends on September 30, 2022. Go to main navigation