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

  • We offer two auto-buying choices:
  • Quick and easy refinancing of existing auto loans (learn more)
  • Competitive interest rates and discounted interest rates for:
    • Automatic payments from a Unitus Checking Account
    • Hybrids & EPA's SmartWay program vehicles (Green Auto Loans)
  • Discounted auto insurance rates for Unitus members (learn more)
  • First Time Auto-Buyer program (learn more)

Autoland (Auto-Buying Service)
Autoland is the leading credit union auto-buying service, located onsite at Unitus. As your personal auto-buying advocate, Autoland will ensure the best possible service and value. The fee is a mere 2.5% of the MSRP on new cars and there is no fee for used cars.

And, when you purchase an auto from Autoland that qualifies for the EPA's SmartWay program, you'll save even more. We offer a reduced rate of 0.25% for SmartWay vehicles and 0.50% APR* for SmartWay Elite vehicles (if you buy from Autoland or Eco-Motion). Check out our Green Auto Loan program to learn more.

Click here to browse for new and used cars, to sell you car, and to do a whole lot more. To speak directly with our auto-buying consultant, Steve Uchida, please call (503) 423-8583 or 1-800-257-3739. On evenings and weekends, please contact 1-800-234-6999.

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.

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!

First Time Buyer Program
Don't get turned down for an auto loan simply because you have no credit. At Unitus, no credit does not equal bad credit! We offer competitive interest rates and no application fee. You simply get a great car loan from someone you can trust.

Loan amounts for first time buyers range from $500 to $22,000 and typically require a small down payment (about 10%). However, if you are a recent college grad, or will graduate within the next six months, ask us about our 100% financing program. Of course, other terms and conditions may apply, so please contact us for details.

Also, be sure to check out our Starter Visa Card, as well.

*APR=Annual Percentage Rate. Model years 2005 and newer qualify for rate reduction.
**Cannot be combined with the Hybrid vehicle discount.