Auto Loans Made Easy
Why choose Unitus for your next car loan? Here's why:

Smartway Advisors: Auto Resource
A service to help you locate and buy your next vehicle.

The Smartway Advisors Auto Resource program is a Unitus-owned auto-buying service, available to all our members, their families and friends. Locally owned and headquartered here in Portland, Oregon, the program provides a full range of auto-buying services, such as:

  • Consultation, research, and advice - whether you're looking for a trade-in value, current safety ratings, or tips on what to buy, our staff is here to help.

  • No obligation test-drives - let us make an appointment for you with a local dealer to test drive one of their vehicles - we'll ensure there's no hard sell and you'll be in and out in no time.

  • Dealer negotiation - that's right, we'll help you negotiate a great price with a local dealer and we'll ensure that the transaction is smooth and simple (and you don't have to visit the dealership until after a price is agreed to).

  • Pre-owned vehicle sales - we can locate almost any model of pre-owned vehicle and sell it to you directly at a competitive price and we accept almost any trade-in.

The Smartway Advisors Auto Resource program is your trusted partner for all-things auto-related. Feel free to call us anytime to see how we've improved the auto-buying experience. Please visit Smartway Advisors online at smartwayadvisors.com or call 503 795 7700.

Smartway Advisors: Credit Builder
For people who want to build a positive credit history while driving a reliable vehicle.

Even with little or no credit history, you can qualify for an auto loan with Credit Builder. This integrated auto financing and purchase program will help you establish a positive credit history, without requiring a co-signer! College student or recent college grad? New to the United States? Recently divorced or widowed? If you’re ready to build up your credit and you need a reliable set of wheels, let’s talk Credit Builder.

  • No co-signer required

  • Loan amounts up to $15,000

  • Low down payment

  • Get a dependable, pre-owned car

  • Interest rate of 8.99%*

  • No credit history necessary

Good credit is good for your future. Good credit management builds a higher credit score, which reduces your interest rate and will save you money. When you qualify for a Credit Builder auto loan, you’ll be driving a quality, pre-owned vehicle that’s right for you, and you’ll be building your credit the smart way.

For additional details about the Credit Builder program, please visit Smartway Advisors online at smartwayadvisors.com or call 503 795 7700.

Smartway Advisors: Trust Funding
Trust Funding is an integrated auto financing and purchase program designed for working people with credit challenges. The qualifications are based on your employment history, not your credit score.

  • Fixed rate of 8.99%*

  • Low down payment

  • No minumum credit score

  • Qualification based on employment history

  • Rebuild your credit

    • The loan qualification process includes credit counseling and the establishment of a household budget. If you qualify, you'll choose from a selection of dependable, pre-owned cars that are pre-approved for a 100,000-mile service contract. When you qualify for a Trust Funding auto loan, you'll be driving a quality, pre-owned vehicle that's right for you, and you'll be rebuilding your credit the smart way.

    For additional details about the Trust Funding program, please visit Smartway Advisors online at smartwayadvisors.com or call 503 795 7700.

    * Rate offered by Unitus Community Credit Union as of 6/1/09 and is subject to change without notice. Certain restrictions apply for program eligibility. Unitus Community Credit Union membership required and is open to anyone who lives or works in Washington, Clackamas, Yamhill, Polk, Multnomah, Marion, and Clark (Washington) Counties.

    Credit Union Direct Lending (CUDL)
    Save time by applying for your next auto loan right at the dealership! CUDL provides financing through Unitus Community Credit Union at most local dealerships, 7 days a week, 365 days a year.

    Great Deals from an American Automaker
    Now you can save money thanks to your Unitus membership. Take advantage of supplier discounts on top of most current GM incentives through the end of the year with the “Invest in America” program.

    For a list of the participating dealerships, auto buying tips, vehicle information, and automobile values, please visit our CUDL AutoSmart page.

    Refinancing Your Existing Auto Loan
    You can probably cut your monthly loan payment by bringing your auto loan to Unitus. We offer competitive rates, no loan fees, and great service.

    Calculate how much you'll save today by using our auto loan calculator.

    If your loan is already with Unitus, no problem. We might be able lower your payments by refinancing it. Contact us for more information or apply online today!