Car Loans

All new and used vehicle loans (7 years old or newer) are eligible for rate Buy-Downs, except Boat/PWC/RV, Motorcycle, and ATV/UTV loans. The member may choose up to four buy-down options, each buy-down valued at 0.25% each, for a maximum buy-down amount of 1%. Multiple services of the same product will count as one buy-down (i.e., Credit Life and Credit Disability). Buy-downs are non-transferable. All buy-downs should be presented by the time of funding.  All used vehicle loans (over 7 years old) are eligible for one rate Buy-Down specific to LTV under 70%.

¹ Must have automatic payments set up to pay from a UKFCU account.
² Direct deposits must be a minimum of $200 per month, must be established via ACH with deposit history in the account *OR* the member must provide documentation from their employer that it has been set up. Direct deposit buy-down qualifying transactions include ACH Payroll from Employer; UK Payroll deduction; Retirement Benefits; Stock Dividends; Structured settlement; and Government benefits including SSA, Disability, and Child Support.
³ Trading and paying off existing UKFCU auto (excluding internal refinance).
⁴ Purchase a GAP or Depreciation Protection plan offered by UKFCU.
⁵ Purchase Extended Service Agreement (MBP/VSA).
⁶ Purchase UKFCU Credit Life and Disability insurance.
⁷ Take a Banzai Plus! Budget Course (only available to existing members); each member can only complete the course one time.
⁸ All new and used vehicle loans (7 years old or newer) are eligible for 0.25% rate discount if front-end LTV is less than 80%.
⁹ Other Secured Auto Loans are eligible for one rate Buy-Down (0.25%) specific to LTV under 70%.

Offer only applies to auto, motorcycle, boat and powersport vehicle loan refinances. Interest rate reduction limited to a floor rate of 4.99%. Collateral must be currently financed in the member/borrower’s name with a financial institution other than UKFCU. Proof of current interest rate is required. Forms of proof include but not limited to: Online banking screenshot with rate and collateral, purchase agreement, statement, or any other method for documentation purposes to verify current rate and collateral. Current vehicle registration required. Payment on existing loan must be current to qualify for interest rate reduction. Member must be in good standing with UKFCU to qualify. All financing subject to UKFCU’s standard underwriting guidelines and credit evaluation. Promotional timeframe: 5/1/2025 to 7/31/2025. Offer may end any time, and without notice. Offers cannot be combined. Membership eligibility required. Federally insured by NCUA.