car UKFCU Auto Loans

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 low auto loan rates and several options.

Existing Members Apply Here New Members Apply Here


Want to see our auto rates before you apply? Just click on the button below!

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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. Please view our rate page for current rates. Choose from the following services:

Disclosure: All 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.
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.

Refinance Your Vehicle Loan

We want to help you make the most of your vehicle loan. If you have a high-rate loan from another financial institution on your car, motorcycle or boat, look into refinancing today. There's no cost to refinance PLUS a 1% cash rebate! It's as easy as 1-2-3, so refinance your vehicle loan and start saving today!

Refinance subject to credit approval and loan requirements. Existing UKFCU loans not eligible. 1% Rebate only applies to auto, motorcycle, boat and powersport vehicle loan refinances. Minimum loan amount of $5,000 to qualify for promotion. Savings account with $25 minimum balance required with membership. 1% rebate of amount financed, up to $1,000. Rebate will be deposited directly into member's savings/share account and may be tax reportable. 

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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Sign and Drive

When you find the car of your dreams, you want to drive it right away. Now you can, with the UKFCU Sign and Drive Program. Simply get pre-approved for an auto loan at UKFCU and then head straight to a participating dealership to drive home in your new car!

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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?