Auto Loans

 

NEW - Cash Back Auto Loan

Make sure your next new or used auto loan is from USE. Not only will we provide you with a great rate and convenient terms, but we'll also give you CASH BACK! That's right, we'll give you up to 1% of the financed amount back, up to $1,000, which means more money in your pocket!¹

Auto Loans

When you're in the market to buy a car, truck, or SUV, your first stop should be USE Credit Union! We do more than just offer incredibly low rates and generous terms - we work with you to arrange financing that suits your specific needs. We'll even work to pre-approve you before you start shopping, so you have more negotiating power with auto dealers.

• Low, fixed rates
• Up to 115% financing of the Vehicle's Base Invoice on new vehicles
• Up to 115% of Base Retail Kelley Blue Book for most used vehicles
• No pre-payment penalty

Great Ways We Can Save You Money on Your Next Auto Loan:

• Establish Automatic Payments from an active USE Checking Account to enjoy a .50% discount on your rate²
• .25% discount on all new hybrid auto loans²
• Refinance your existing auto loan from another financial institution to enjoy lower monthly payments

Plus, Check Out These Money and Time-Saving Auto Resources:

• SPECIAL OFFER:  Get a complimentary one-year paid Costco Gold Star Membership or a $50 Costco Cash Card (if you're already a Costco member), courtesy of USE Credit Union, when you purchase your vehicle through USE/COSTCO Auto Program and finance it at USE Credit Union*
• Insurance and Protection
• CARFAX Vehicle History
• Chrome Carbook^TM 
• Rebate vs. Finance Calculator

*Offer requires that you purchase your vehicle through the USE/Costco Auto Program and finance it at USE Credit Union. All loans subject to credit approval. Loan funding required and you must also complete a Costco Member Satisfaction Survey. USE is not affiliated with the Affinity Development Group or Costco and its affiliates, and expresses no opinion about its products or services.

Important Information:  USE's Insurance Requirements for Auto Loans

All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Rate is based upon credit criteria. Your rate may be higher.
1.USE's Cash Back Auto Loan gives you a cash rebate equal to one-percent of the amount financed up to $1,000. There is no minimum loan amount or required timeframe to obtain the Cash Back incentive. Your eligible rebate is paid at time of loan funding. Your interest rate may be higher than our standard published auto loan rates if you choose the cash-back option.
2. To qualify as an “active” checking account, you must have a minimum activity level of five (5) transactions posted each month. Eligible transactions include deposits or withdrawals by check, debit card, ATM card, ACH, transfers between USE accounts, automated deposits and automated withdrawals. In addition, you must maintain a positive account balance or meet the requirements of one of USE’s overdraft protection programs. Total rate discount cannot exceed 1.00% or .50% below our lowest base rate, whichever is less.