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 great low auto loan rates and several options.

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:

Existing Members Apply Here New Members Apply Here

*Member may choose up to four buy-down options for a maximum buy-down amount of 1% on a new or used auto loan. Each buy-down option is valued at .25%. Buy-downs are non-transferable. Vehicle models must be 7 years old or newer to qualify for the buy-down promotion. **Only UKFCU auto loans are eligible for the auto loan payoff discount. 
**All buy downs should be presented by the time of funding.

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. 

Existing Members Apply Here New Members Apply Here

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 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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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?