Auto Loans


Auto Loans

UKFCU offers great rates on auto loans. UKFCU is here to help by offering various options for your auto loan. As a member you can take advantage of our Buy-Down program, which allows you to lower your rate up to 1% simply by choosing from the following services:

-Student Checking -UKFCU GAP Advantage
-Direct Deposit -Senior Freedom Checking
-UKFCU Vehicle Warranty -UKFCU Credit Life/Disability
-Everfi Education Course -Payoff Letter/Next Loan

Refinance Your Auto Loan & Earn Cash Back

You spend a lot of time in your car and it’s something you should enjoy. Enjoy it even more with a better loan and 1 % cash back when you refinance.* 

*Subject to loan requirements. Minimum loan amount $5,000. 1% of amount financed, up to $250 cash back. Restrictions may apply. See representative for details.

Dealer Auto Cash

Dealer Auto Cash rewards you for visiting and purchasing from participating dealerships. Learn more about how it works by clicking the button below.


Vehicle Warranty

Protect yourself from unexpected repair bills by adding a Vehicle Service Agreement to your loan. Benefits include: major component coverage, 24-hour roadside assistance, rental car reimbursement, emergency tire repair, transferability of your policy for added resale value and more. Your plan can include all or some of the coverages mentioned. Ask a Financial Services Officer for details.


GAP Advantage

Accidents can be an unfortunate part of life. Your Credit Union has a solution to guarantee your investment. GAP Advantage or Guaranteed Asset Protection, safeguards you from financial loss in the event that your vehicle is totaled or stolen and never recovered. GAP will cover the difference between the cash value of your vehicle and the amount remaining on your loan. Because driving your new car off of the dealer’s lot can cause it to depreciate up to 10%-15% GAP Advantage protects you from day one.


Credit Life and Disability Insurance

Credit Life and Disability Insurance from CUNA Mutual Insurance Society gives you and your family a convenient, affordable way to help protect yourself in the event of death or disability. Have the peace of mind knowing you are covered, talk to a representative for more details.

Sign & Drive Auto Lending Program

With our Sign & Drive Program members can enjoy the convenience of applying for a loan on the spot with auto dealerships in the Central Kentucky area. You spend less time with paper work and more time enjoying your new vehicle! However you apply, in person, online, over the phone or at a participating dealer, UKFCU makes it easier than ever for you to drive away in the car of your dreams.


* Annual Percentage Rate. Rate based on credit history, other restrictions may apply. See a representative for details.