Friends riding a car

It Pays to Get Your Auto Loan

Through Us

Get up to $500* with our Auto Cash Bonus

From now until December 31, 2022, get a cash bonus of 0.75% up to $500 on your USE Credit Union Auto Loan. Available for new and used purchases and refinanced loans from other lenders.

$0 Down Payment1

With no money down, you can keep more money in your pocket.

90 Days with No Payment2

Help your bottom line and take a break from payments with a three month deferral period.

Up to 130% Financing3

Borrow more than your car’s value and keep the difference for your next road trip.

Use promo code: AUTOCASH

Limited-Time Offer — Cash bonus up to $500*

Get a 0.75% cash bonus up to $500 on your next auto loan with USECU.

Just enter promo code AUTOCASH on your loan application.

Take the Wheel with Confidence

We make auto financing easy, convenient, and affordable—with prompt, personal service every mile of your journey.

  • Great Low Rates

    Enjoy rates as low as 1.84% APR. View additional rates here.

  • Flexible Terms

    With terms up to 84 months, you can take your time paying off your car.

  • Fast Decision-Making

    Apply for your Cash Back Auto Loan online and get a decision in minutes.

Additional Services


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


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


Quickly get a quote to save on Guaranteed Asset Protection (GAP) insurance and Mechanical Breakdown Insurance (MBI).

Our special auto financing offer is valid for a limited time only.

Apply online by December 31, 2022, to get a cash bonus of up to $500!

Use promo code: AUTOCASH
Apply Now


Must be 18 years of age or older to apply. Must meet membership and account criteria. All loans subject to credit approval. Rates, terms and conditions subject to change without notice. Some restrictions apply. USE Credit Union is not an affiliate of Costco or the Costco Auto Group, CARFAX or the Affinity Development Group. TruStageTM Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. APRs are based on creditworthiness. Payment example: 36 months of $28.60 per $1,000 borrowed at 1.84% APR. 1.84% APR requires automatic payments from a USECU Checking Account, otherwise your rate will increase by .50%.

1. A down payment may be required if the loan amount exceeds the collateral value.
2. Must qualify for deferral payment. Finance charges begin accruing as of the loan origination date.
3. Up to 130% financing of dealer invoice on model years 2021 and newer. 130% of dealer invoice is only for a new auto that has never been registered. Up to 130% financing of the base Kelley Retail Blue Book on 2016 model years and newer and up to 130% financing of the Kelley Wholesale Blue Book on 2012-2015 models based on creditworthiness.

*Offer is for new and existing members. To qualify for this offer, all USECU accounts and loans must be and remain in good standing. Cash bonus is 0.75% of the Auto Loan amount. Cash bonus is only paid on new or used auto loans amounts totaling $5,000 or more made directly with USE Credit Union. Loans indirectly processed through dealers and current USECU Auto Loans do not qualify. Loan must remain with USECU for ninety (90) days or cash bonus will not be paid. Must have a USECU deposit account open at the time of bonus payment to receive the bonus. Cash bonus will be paid within 90 days after loan funding. This offer is valid from July 1, 2022, to December 31, 2022. Cash bonus subject to tax.

Use promo code: AUTOCASH

Limited-Time Offer — Cash bonus up to $500*

Get a 0.75% cash bonus up to $500 on your next auto loan with USECU.

Just enter promo code AUTOCASH on your loan application.