auto loans promo image

Auto, Boat and RV Loans

Whatever your destination, we'll help put you in the driver's seat.

  • Low new and used rates
  • Flexible terms up to 84 months
  • Credit decisions in just minutes
  • No payment for up to 90 days1

Today's Featured Rates

Test Drive Our Auto Loan Calculators




Finance Some Fun

Looking to set sail or cruise the open road? Start your journey with a Boat or RV loan from USECU:

  • Low, competitive fixed rates
  • Affordable monthly payments
  • .50% rate discount with auto-pay from a USECU checking account
  • Up to 80% financing available2
  • Terms up to 180 months
  • No pre-payment penalty

Apply Now


Costco® Auto Program

We've partnered with Costco to make your next auto purchase an easy and money-saving experience. Plus, receive some added perks if you finance your car with us!

  • Costco-sized savings on a wide range of models
  • Costco Member Advocates to assist you before, during and after your purchase
  • A complimentary one-year paid Costco Gold Star Membership or a $50 Costco Cash Card (if you're already a Costco member), when you finance your vehicle with us3
  • An additional .50% auto loan discount may apply with auto-pay from a USE Credit Union checking account

Search Vehicles


Tools to Get You in the Driver's Seat

Found a pre-owned car you really like?
Enjoy a free CARFAX® Vehicle History Report4 when you order a report through us then also finance with us.

Fuel Economy
Choose the most fuel-efficient vehicle that meets your needs.
Fuel Economy Guide


GAP/MBI
Want extra peace of mind? Guaranteed Asset Protection (GAP) and Mechanical Breakdown Insurance (MBI) may make sense for your purchase.

  • GAP is optional insurance coverage that helps cover the "gap" between the amount you owe on the car and the car's actual cash value in the event of an accident.
  • MBI is a vehicle service contract that extends or supplements your existing warranty and is often a must-have when purchasing a pre-owned vehicle where no coverage is provided.

All loans subject to credit approval. Rates, terms and conditions subject to change without notice.

USE Credit Union is not affiliated with Costco® or the Costco® Auto Group, CARFAX® or the Affinity Development Group.

1. Must qualify for payment deferral. Finance charges begin accruing as of the loan origination date. 2. Up to 80% financing of fair market value (as determined by a Marine Survey) for most used boats. 3. The Costco® Cash Card offer requires that you purchase your vehicle through the USECU/Costco Auto Program and finance it at USE Credit Union. Loan funding required and you must also complete a Costco Member Satisfaction Survey. USECU is not affiliated with the Affinity Development Group or Costco and its affiliates. 4. Visit the CARFAX® Website for current pricing information. Be sure to finance and request a CARFAX® Vehicle History Report through USE Credit Union in order to receive a free CARFAX® report. Some restrictions apply.