USE Credit Union

Auto Loans

No Payment For 90 Days Is Just The Beginning!

They say it's good to know someone in the car business.  In this case, it's your credit union! As a USE Credit Union member, you have access to some of the best resources in town -- including our low rates and low monthly payments. Not to mention new car discounts available through the Costco Auto Program. Whether you’re buying a new or pre-owned car, truck, or SUV, or would like to lower the car payment on your existing vehicle, we’re standing by to help you save money right now.

  • Low competitive rates
  • Same low rates for 2012 and newer
  • $0 down plus up to 130% financing available1
  • Flexible terms up to 84 months
  • Credit decisions in just minutes
  • Costco Auto Program with a $50 Costco Cash Card2
  • No payment for up to 90 days3
  • Refinance and lower your car payment4
  • Optional Credit Protection5 (makes your payment if you lose your job)

Get pre-approved today in minutes.
Know your buying power. Get pre-approved at 866.USE.4.YOU, visit a USE branch or apply online. You can also estimate monthly payments using our auto loan calculator.

All loans subject to credit approval. Rates, terms and conditions subject to change without notice. Rates are valid as of 5/15/2018. 2.29% APR and reflects 100% financing and 60 monthly payments of $17.68 per $1,000 borrowed. 1.99% APR reflects 100% financing and 24 fixed monthly payments of $42.57 per $1,000 borrowed. Stated rate is for vehicles 2012 and newer. 1. Up to 130% Warranty and GAP financing available based on creditworthiness and type of vehicle. (Warranty - $3500 maximum/GAP $800 maximum) 2. 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. 3. Must qualify for payment deferral. Finance charges begin accruing as of the loan origination date. 4. Excludes existing USE auto loans. 5. Credit Protection is a debt cancellation product available through USE Credit Union.


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ABA Routing Number: 322281691
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