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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.