Putting more Michiganders into better rides
The best place to start your car buying journey is here at United Financial! Begin your car purchase with someone in your corner, and find everything you need from vehicle shopping to insurance!
Let’s trade up together
United Financial Credit Union is dedicated to helping you secure the new vehicle you need. Our personalized approach, competitive auto loan rates, and flexible auto loan terms make us the ideal choice for financing your next vehicle. We even have a convenient website to help you search for a new vehicle now!
Easy Pre-Approval
Prequalify for an auto loan today! Our streamlined application and approval process ensures a hassle-free vehicle financing experience, so you can focus on finding your dream car.
COMPETITIVE RATES
Our low-interest rates ensure that you get the best deal on your auto loan, saving you money over time.
TRUSTED SUPPORT
Our knowledgeable team is always here to guide and support you throughout your auto loan journey, providing answers and reassurance whenever needed.
EXPLORE AUTO LOAN OPTIONS
New & Used Auto Loans
Maximum Amount
Maximum Term
APR*
Example payment on $10,000 at 6.35% for 5 years – $194.97 per month
6.35% rate is lowest available rate – not to be combined with any other discounts or offers.
° = Term limits apply. Call Credit Union for details.
New & Used Motorcycle Loans
Maximum Amount
Maximum Term
APR*
Example payment on $10,000 at 7.65% for 5 years – $201.09 per month
7.65% rate is lowest available rate – not to be combined with any other discounts or offers.
° = Term limits apply. Call Credit Union for details.
Celebrating our Hometown Heroes
United Financial Credit Union wants to recognize our Hometown Heroes. Let our staff know if you are a Veteran, Active Military or First Responder; EMT, Police, Fire. We would like to thank you for your service and dedication to your communities. Learn more about our program here.
Hometown Heroes Loan Specials:
Receive a 0.25% Rate Discount on your new Consumer Loan**
Receive up to $500 OFF Closing Costs on your New Mortgage***
Apply for a loan today!
Must have some form of identification to show you are a Veteran, Active Military or First Responder.
**Consumer Loan Discount – valid on new loans at the Credit Union, loan must be financed in house, not valid on No Credit Check Loans, Personal LOC or Mortgages
***Mortgage Loan Offer – Some restrictions may apply. See Credit Union for details.
Helpful Financial Resources and Calculators
Auto Loan Calculator
Estimate your monthly payments
Car Affordability Calculator
Determine your budget
Loan Comparison Tool
Compare different loan options
Auto Refinancing Calculator
Discover potential savings through refinancing
Skip A Payment
There are times when you may need a little extra cash due to unexpected financial obligations. Our Skip A Pay program allows you to skip up to two (2) monthly payments on your loan(s) per rolling year; skipped payments may not be in consecutive months. For a $40 fee, United Financial offers Skip a Pay to allow you to skip your loan payment, so you can use that money for something else. When you use this option on your eligible United Financial loan*, you can take the money you’d normally use to pay your loan to cover:
To Skip your Payment – Log into Online Banking. You will see a menu option – Skip a Payment
If your loan is eligible to be skipped, follow the on screen prompts to process your request!
*Non-eligible loans include mortgages, Commercial Loans, Elan credit cards, no credit check special loans, home equity lines of credit, unsecured lines of credit and any loan being paid by credit union disability insurance. Some Restrictions May Apply. You can skip two payments per rolling calendar year, cannot be consecutive payments skipped. $40 fee per skipped payment.
If you have an automatic payment from another institution and are doing a skip a pay, please contact the Credit Union to suspend the automatic payment for that month.
Protect the things that matter the most.
Financial Protection for the unexpected – protect the ones that matter most. United Financial CU Debt Protection with Life Plus* could help your family’s financial situation against a variety of covered life events:
- Involuntary Unemployment
- Disability
- Death
For additional protections, Life Plus can extend your United Financial CU Debt Protection with Life Plus to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.
- Accidental dismemberment
- Terminal illness
- Hospitalization or family medical leave
Your purchase of United Financial CU Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain an auto loan. Certain eligibility requirements, conditions and exclusions may apply.
Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of United Financial CU Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
Guaranteed Asset Protection (GAP) is like an airbag for your vehicle loan.
Guaranteed Asset Protection can help fill the gap between what your vehicle insurance will pay and what you owe on your loan, to cushion you against sudden out of pocket expenses if your vehicle is deemed a total loss. GAP can help lighten the financial burden for you and the people you care about. Get GAP today so you can worry a little less about tomorrow.
Mechanical Repair Coverage (MRC)
You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of any covered breakdowns. You pay only the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow.
Unlock the Benefits of United Financial Credit Union Membership
Take the first step towards financial success with United Financial Credit Union. Experience personalized service, exclusive offers, and a community committed to your financial well-being.