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Auto Loan Options

UCU's car loan options help if you have challenged credit

A less-than-perfect credit history or lower credit score can create roadblocks when trying to secure car financing. Whether you want to purchase a car or refinance the loan you've got, credit history and scores play a role in the loan review.



 
Some borrowers do not have an ideal credit situation. The reasons vary. Maybe they had a few late payments with creditors or lack of an extensive credit history. This can all translate to a lower credit score.

Loans That Fit Many Borrowers
UCU has some options for members that want to purchase a car or refinance an existing high-rate car loan at a bank. We start by taking a look at your individual situation. Then we do our best to find an auto loan option that works for you. UCU offers loans to those with challenged credit* on new, used and refinanced autos.

Loan Officers Review Your Situation
Approval will depend on a variety of factors and not everyone will get the lowest rate. But, the rate we offer may be better than what's offered by a dealer or what you secured on your current car loan. We may even be able to extend the loan term to lower your monthly payments. Everyone's situation is different, so your personal information is carefully considered.

Get started now!
Our UCU representatives can try to connect you with the right car loan for your situation. Apply online or call 310-477-6628 ext. 1 for more information.

*Loans issued subject to credit review. The actual rate, length of repayment and amount financed you may receive is determined by a combination of factors, including credit qualifications, credit score, loan amount, collateral, down payment and terms. Rate maximum can be as high as 18.00% APR, depending on credit review. Loans available only to members residing in California, and for vehicles registered in California. Call for details.


Disclaimer: All loans are available only to members residing in California. Cars must be titled and registered in California. Rates are subject to change without notice. Loan issued subject to credit review. Contact UCU for complete details.

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Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
University Credit Union is an Equal Housing Lender.
University Credit Union is an Equal Housing Lender.

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For more information, please e-mail us or call (310) 477-6628.