Auto Loans

Drive in the New Year with a New Car, Truck or SUV!

Why not start the New Year off with a new ride?  To help put you in the driver's seat, USE wishes you a very Happy New Steer with auto loan rates as low as 2.99% APR¹ and flexible repayment terms:

• Rates as low as 2.99% APR for up to 24 months or 3.99% APR up to 72 months
• Vehicles 2008 and newer
• No payment for 90 days²
• Optional Credit Protection³ (makes your payment if you lose your job)

Plus, enjoy Costco-sized savings on your next vehicle when you use the USE/Costco Auto Program!
Simply use the money-saving USE/Costco Auto Program to purchase your next vehicle, then finance it at USE.  In addition to getting a great deal on your purchase, you'll also receive a one-year Costco Gold Star Membership or a $50 Costco Cash Card courtesy of USE*.  Find your next car and an authorized dealer at usecu.costcoauto.com.

How much car can I afford?
Click here to try our auto loan calculator and find out more about monthly payments.

The gift that keeps on giving
You can'tgo wrong with 2.99% APR. And we'll even help you lock in that rate before you buy.

To get pre-approved, here's all you do:

• Apply Now!
• Call our Auto Loan Hotline at (866) LOAN-NEW (562-6639)
• Visit your nearest USE branch

1. APRs are based on a specific level of creditworthiness, a new or used car purchase and a minimum loan amount of $10,000. 2.99% APR is based on approximately 24 monthly payments of $42.99 per $1,000 borrowed. 3.99% APR is based on approximately 72 monthly payments of $15.65 per $1,000 borrowed. Rates apply to new and late model used cars 2008 and newer. APR also includes a 1.00% discount for automatic payment from a USE checking account. Rates, terms and conditions subject to change without notice. 2. Finance charges begin accruing as of the loan origination date. 3. Debt cancelation products are offered through CUNA Mutual Group.

*Offer requires that you purchase your vehicle through the USE/Costco Auto Program and finance it at USE Credit Union.  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.

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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 rate⁴
• .25% discount on all new hybrid auto loans⁴
• 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.

4. 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.