Loans Options to Fit your Budget
Getting a new vehicle is always exciting—and having a lender you can trust makes all the difference. At UFirst Federal Credit Union, we’re here to help you finance your ride with great rates and terms that fit your budget. Let’s get you on the road with a loan that works for you.
- Car
- Truck
- SUV
- Rec Loans - Snowmobile, ATV, Jet ski, RV, Boat and Camper
We also offer refinance options to switch your auto loan to being serviced by UFirst.
UFirst Vehicle Loan Advantages
When you choose UFirst as your vehicle loan provider, the advantages include:
- Quick, local decisions
- Easy application process
- Special member loan discounts
- Get pre-approved before you shop
- No application fees. Ever.
- Flexible terms, up to 7 years*, to fit your budget
- Auto payment available through your direct deposit
- Refinance from other lenders to reduce payments or terms
- Protection Plans available to cover you in case of loss, accidents or breakdowns
Green Auto
Thinking about upgrading your ride? Let’s make it a smart move all the way around.
We’ll give you an extra 0.25% off your qualified rate if your new vehicle loan is one of the following:
- Electric
- Hybrid
- Alternative fuel
- OR gets 40+ MPG
Rates and terms may vary based on creditworthiness. All loans subject to credit approval.
Driving Sense (Kind of like a Lease)
Would you like the low monthly payments of a lease without the heavy restrictions and hidden costs?
It might sound impossible, but with UFirst FCU's Driving Sense Program, it's a reality!
Driving Sense offers payments that are significantly lower than conventional financing, similar to a lease. However, unlike a lease, you own the vehicle and enjoy all the flexibility and benefits of ownership!
Benefits of Driving Sense
- Eligibility: New and pre-owned vehicles up to five years old qualify.
- Flexible Terms: Choose loan terms up to 72 months.
- No Down Payment: Start without a down payment.
- Mileage Options: Annual mileage options of 7,500, 10,000, 12,000, 15,000, and 18,000 miles.
- No Extra Fees: No security deposit or acquisition fees.
- No Penalties: No early payoff penalty.
- Ownership Benefits: Since the title is in your name, you have more options before and at loan maturity, including the ability to turn in your vehicle and walk away at the end of the loan term.
- Refinancing: Refinance your current vehicle loan to reduce your monthly payments with Driving Sense.
- Upgrade Easily: Easily upgrade or change your vehicle every few years!
Experience the freedom and flexibility of vehicle ownership with the low payments of a lease through UFirst FCU's Driving Sense Program!
Apply Now
Save even more with discounts on vehicle insurance just for being a UFirst member!
APR = Annual Percentage Rate. Loans subject to credit approval. The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category your rate may be higher. Payment and term affected by amount financed. Certain terms may not be available for all risk categories. Savings account required for a loan. Only a $5 minimum deposit required to open an account and become a UFirst FCU member. You can open an account if you live, work, worship, or attend school in the counties we serve.