Savvy Drivers Choose UFCU

Looking to lower the part of your budget labeled “Vehicle”? We’ve got options to help you save. From low monthly payments and flexible terms to backup protection, we put you in the driver’s seat. Choose an auto loan to fit your unique needs, financial situation, and life circumstances. Read on for ways to get ahead on your path.

Refinance to Drive Down Your Rates

Don’t wait for your current car loan to be paid off — you might be able to make a switch to UFCU’s lower rates today. By refinancing auto loans from other lenders, we’ve saved our Members an average of $1,950 in interest on their car loans and lowered their monthly payments by as much as $50. If another financing institution can do better, we’ll tell you. Our mission is to connect you with the best value possible.

  • Collaborate with a representative on your side. Explore your options and learn what’s right for you. Whether it’s refinancing, buying new or used, learning about insurance options, or getting negotiation tips, we’re happy to help.

  • Save time with one-stop service. UFCU Insurance Services® provides all the coverage you need to protect your car. Just ask us for a free estimate—at no obligation, of course!

Find out how much you’d save by switching. Have your original loan contract or payment book ready, and apply online or give us a call at (512) 498-CARS (2277).

Accelerate Your Vehicle Purchase

Time for new wheels? UFCU offers low rates and flexible terms on your new- or used-vehicle purchase. You can apply online or give us a call at (512) 498-CARS (2277).

Ask about our convenient services to make car-shopping easy:

  • Flexible loan terms — We are committed to getting you into a new vehicle with a manageable monthly payment.

  • Monthly payments you can afford — We invite you to use our transparent rates for comparison shopping.

Protect Your Auto Investment

You may already know that UFCU Insurance Services® offers vehicle insurance. Did you know that we also cover what your auto insurance doesn’t? We can provide even greater peace of mind with:

  • Extended warranties
  • GAP (Guaranteed Asset Protection) Advantage for total auto loss
  • Debt cancellation in case of unexpected life events
Find Out More

Rates That Yield to Your Budget

Annual Percentage Rate (APR) based on your credit
Excellent Good Average FairMarginalLow /
No Score
1 to 486.39%6.89%7.64%9.14%14.40%17.00%
49 to 666.89%7.39%8.14%9.64%14.85%17.45%
67 plus7.29%

These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.

Term restrictions may apply.

Calculate Your Monthly Payment

Please enter a valid amount.
Please enter a valid rate.
Please enter a valid term.
Please enter a valid amount.
Please enter a valid rate.
Please enter a valid term.

This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

Available Cash
How much car can you afford? Use this calculator to help determine the available cash you have to buy a car.

Protect Your Assets
UFCU Insurance Services
Independent & unbiased

Credit Builder Loan
Build or rebuild your credit score without going into debt. Get credit for paying yourself!
Learn More

Resources & Tools