Putting more Michiganders into better rides

The best place to start your car buying journey is here at United Financial!  Begin your car purchase with someone in your corner, and find everything you need from vehicle shopping to insurance!

Let’s trade up together

United Financial Credit Union is dedicated to helping you secure the new vehicle you need. Our personalized approach, competitive rates, and flexible auto loan terms make us the ideal choice for financing your next vehicle. We even have a convenient website to help you search for a new vehicle now!

Easy Pre-Approval

Our streamlined application and approval process ensures a hassle-free experience, so you can focus on finding your dream car.

COMPETITIVE RATES

Our low-interest rates ensure that you get the best deal on your auto loan, saving you money over time.

TRUSTED SUPPORT

Our knowledgeable team is always here to guide and support you throughout your auto loan journey, providing answers and reassurance whenever needed.

EXPLORE AUTO LOAN OPTIONS

New & Used Auto Loans

Maximum Amount

100% purchase price of vehicle

Maximum Term

Up to 7 years

APR*

As low as 6.99%

Example payment on $10,000 at 6.99% for 5 years – $198.03 per month
6.99% rate is lowest available rate – not to be combined with any other discounts or offers.
° =  Term limits apply. Call Credit Union for details.

New & Used Motorcycle Loans

Maximum Amount

100% purchase price

Maximum Term

Up to 15 years

APR*

As low as 7.25%

Example payment on $10,000 at 7.25% for 5 years – $199.22 per month
7.25% rate is lowest available rate – not to be combined with any other discounts or offers.
° =  Term limits apply. Call Credit Union for details.

Helpful Financial Resources and Calculators

Auto Loan Calculator

Estimate your monthly payments

Car Affordability Calculator

Determine your budget

Loan Comparison Tool

Compare different loan options

Auto Refinancing Calculator

Discover potential savings through refinancing

Protect the things that matter the most.

Financial Protection for the unexpected – protect the ones that matter most. United Financial CU Debt Protection with Life Plus* could help your family’s financial situation against a variety of covered life events:

  • Involuntary Unemployment
  • Disability
  • Death

For additional protections, Life Plus can extend your United Financial CU Debt Protection with Life Plus to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave

Your purchase of United Financial CU Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.

Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of United Financial CU Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

Guaranteed Asset Protection (GAP) is like an airbag for your vehicle loan.

Guaranteed Asset Protection can help fill the gap between what your vehicle insurance will pay and what you owe on your loan, to cushion you against sudden out of pocket expenses if your vehicle is deemed a total loss. GAP can help lighten the financial burden for you and the people you care about. Get GAP today so you can worry a little less about tomorrow.

Mechanical Repair Coverage (MRC)

You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of any covered breakdowns. You pay only the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow.

Unlock the Benefits of United Financial Credit Union Membership

Take the first step towards financial success with United Financial Credit Union. Experience personalized service, exclusive offers, and a community committed to your financial well-being.