Auto Loans & Additional Products
USECU’s low rates, flexible terms, and speedy process take the stress out of getting an affordable vehicle loan.
New or Used Vehicle Purchase
- Get pre-approved before you shop for your vehicle. Getting pre-approved means you’ll have one less thing to worry about.
- We finance motorcycles and pick-up trucks (less than one ton).
- 125% financing (including tax, title, fees, and USECU GAP & Extended Warranty coverage) for up to 72 months to qualified borrowers.
Need some help with the buying process? View our helpful Auto Buying Resources for valuable resources and advice.
Refinance your Auto Loan with USECU and Save!
By switching your present loan to USECU, we may be able to reduce your rate and lower your monthly payment.
Auto Equity Loan
Deduct the interest you pay on your vehicle loan!
You will get the speed, convenience and the low rate of a vehicle loan, AND a potential tax savings. We’ll process your application as an auto loan, and then, with your permission, place a courtesy lien on your home (Illinois & Northwest Indiana primary residences only). You may be able to deduct the interest paid on your income tax return (Please consult with your tax advisor). No home appraisal is required.
Protect your vehicle with low cost GAP Insurance.
Did you know that if your vehicle is totaled or stolen, you could face a financial loss. Guaranteed Asset Protection (GAP) coverage protects you against this risk!
In the event of theft or total loss of your vehicle, most insurance companies only pay the cash value of the vehicle at the time of the loss. Your remaining loan balance could be much greater creating a deficiency of several thousand dollars that you’re liable for!
- USECU’s GAP coverage costs just $425.00; which also includes the auto deductible reimbursement. That’s pennies a day over the life of your loan and hundreds of dollars lower than most dealerships charge for the same coverage.
Additional vehicle insurance coverage options:
- Low cost Payment Protection Coverage
- MBP (Mechanical Breakdown Protection)
Do you have a free and clear title on a vehicle that is 10 years old or newer? Do you need extra cash? Call us today at 312-922-5310 or apply online.