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90 Day No Pay

Auto loan financing the simple way."Very helpful and friendly. I always recommend Universal 1 to friends and family. Excellent service." 

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!
No Payments for 90 days on new, used or refinanced auto loans

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!Apply for a Universal 1 Auto loan
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
TypeTermRates as low asAPR
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.
 

Want more convenience? Make payments & manage your account easily by signing up for Online/Mobile Banking!

Download the U1 Mobile App!
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We're here to help!

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For questions or additional information, send a message, email or give us a call.
memberservices@u1cu.org   |   800-762-9555 opt. 0
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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.

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