Man smiling in his vehicle

New Car?

There’s nothing stopping you.

Buy or refinance confidently with a low-rate auto loan from USE Credit Union.

Whether you’re looking to purchase a car or refinance an existing auto loan, we’re here to help you get the rate, term, and monthly payment you need to reach your goals.

Buy a Car

We’ll bring the expertise and financial tools to help you negotiate and buy confidently.

We offer great auto financing options, with low rates for new and used vehicles, flexible terms of up to 84 months, and fast decision-making.

Plus, you can defer your first payment for up to 90 days. That’s right—no payment for up to 90 Days.1

Refinance Your Auto Loan

It’s important to know your auto loan is working for you, not setting you back. With a refinance from USECU, we may be able to put some of your money back in your pocket.

Lower your monthly car payment when you refinance your existing loan from another auto lender.

And, just like with our purchase auto loans, you can enjoy no payment for up to 90 days!1

Apply Now

Are you currently a member of USE Credit Union?

If you have more questions or aren’t quite ready to apply, we’re here to help! Fill out the form and we’ll give you a call.

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Check Auto Loan Rates

Low rates for new and used vehicles, with flexible terms of up to 84 months.2

Auto Loan Payment Calculator

Crunch some numbers and calculate your vehicle payment confidently.

Find a Car

We’ve partnered with Costco® to make the whole experience easier and less expensive.3

Protect Your Purchase

Stay safe on the road with affordable individual and family coverage from TruStage® auto insurance.4

GAP and MBI

We make it easy to get a quote and save on insurance services.5

Ready to Get Started?

Apply Online
Apply in person

Disclosures

Must meet membership and account criteria. All loans subject to credit approval. Rate terms and conditions subject to change. Restrictions apply.
1. Must qualify for payment deferral. Finance charges begin accruing as of the loan origination date.
2. Interest rates and monthly payment information are only estimates. Actual rates and monthly payment amounts are based on your personal credit history and will be provided upon receipt of a completed loan application approved by USE Credit Union. Payment Examples: 1.99% APR is based on approximately 24 monthly payments of $42.58 per $1,000 borrowed. 2.09% APR is based on approximately 36 monthly payments of $28.71 per $1,000 borrowed. 2.59% APR is based on approximately 48 monthly payments of $21.98 per $1,000 borrowed. 2.69% APR is based on approximately 60 monthly payments of $17.86 per $1,000 borrowed. 2.89% APR is based on approximately 72 monthly payments of $15.17 per $1,000 borrowed.
3. USE Credit Union is not an affiliated of with Costco or the Costco Auto Group. Costco is a trademark of Costco Wholesale Corporation. Costco Auto Program is operated in the United States by Affinity Auto Programs, Inc. doing business as Costco Auto Program.
4. TruStage Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
5. GAP and MBI coverage are optional and are not a condition of credit. Restrictions apply.

If you have more questions or aren’t quite ready to apply, we’re here to help! Fill out the form and we’ll give you a call.

  • This field is for validation purposes and should be left unchanged.