Once you’ve decided on the right car or truck, the next step is finding the right automobile loan. UKFCU makes the decision quick and easy with great low auto loan rates and several options.

Sign and Drive

When you find the car of your dreams, you want to drive it right away. Now you can, with UKFCU auto loans sign and drive program. Apply for your auto loan on the spot, at the auto dealership. Then simply drive away and enjoy your new car!

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Buy Down Program

As a UKFCU member, you can get a lower auto loan rate—up to 1% lower—with the buy-down program. Choose from the following services:


Existing Members Apply Here New Members Apply Here


Dealer Auto Cash

You can save even more on your new car or truck when you purchase from participating dealerships.

Find Dealers Auto Cash Brochure

Refinance Your Auto Loan

We want to help you make the most of your auto loan. If you have a high-rate auto loan from another financial institution, look into refinancing today. There's no cost to refinance and it's as easy as 1-2-3. So refinance your auto loan and start saving today!

*Refinance subject to credit approval and loan requirements. Existing UKFCU loans not eligible. 

Existing Members Apply Here New Members Apply Here


Crunch the Numbers

What can I afford? What will my payments be? New or Used? Get the answers to these questions before shopping for your next vehicle by using our calculators below. Find out what your payments will be and what car or loan type best suits your needs.

What Vehicle Can I Afford?
How Much Will My Vehicle Payments Be?
Which is Better: New or Used Vehicle?

Vehicle Warranty

Life is full of unexpected surprises, including a car accident or repair. Add a vehicle service agreement warranty to your UKFCU auto loan to protect yourself from unforeseen costs. Your vehicle warranty can be as flexible as you need and include all or some of the coverage options.

Benefits of vehicle warranty include:

  • 24-hour roadside assistance
  • Emergency tire repair
  • Major component coverage
  • Rental car reimbursement

You can also transfer your vehicle warranty policy for added resale value.

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GAP Advantage Vehicle Coverage

Next to your home, your automobile is one of your largest investments. UKFCU offers Guaranteed Asset Protection, or GAP Advantage, to help protect your investment. If your car is stolen or totaled in an accident, GAP Advantage will cover the difference between the cash value of your automobile and the amount remaining on your auto loan.

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