Refinance Your Auto Loan and Save Money!

For a limited time, Unitus members who refinance an eligible auto loan from another lender can receive up to 1.25% off their current rate.1

  • No payments for 90 days – Gives you extra breathing room while keeping more money in your pocket
  • Put your savings to work – Grow your financial future with a Unitus Rewards savings account
  • Don’t miss this opportunity to save money – Offer valid August 1 – September 30, 2026
Learn More and Refinance

Auto Loans

Our auto loan approval process is quick and easy! With low interest rates, affordable payments, and local service you can trust, you’ll be in the driver’s seat in no time! Calculate a vehicle payment.

Apply Now

Get Today’s Best Auto Loan Rates

  • New Autos
    (2025 or Newer)

    as low as
    5.04
    %
    APR
    Apply Now

  • Used Autos
    (2017 - 2024)

    as low as
    5.29
    %
    APR
    Apply Now

  • Older Autos
    (2016 or Older)

    as low as
    6.29
    %
    APR
    Apply Now
View All Auto Loan Rates
young girl and passenger sitting in suv

Are you a First Time Auto Buyer? Want a Low Rate?

young girl and passenger sitting in suv

If you’re new to the world of credit, getting approved and finding a low rate can be difficult. Luckily, at Unitus it’s not! We have great rates for beginners, and you can qualify for a even better rate simply by completing the following financial wellness courses from our financial counseling partner GreenPath:

  • A-1 Credit Tool
  • Navigating Auto Loans

Each course only takes about 10 minutes to complete. Questions? Call us at 503-423-8770.

Start your courses to lower your rate

Auto Mentors: simplify the the car-buying process

Leave the stress of car-buying to a reliable partner and expert. Auto Mentors is your locally-owned, white-glove auto buying service. Just tell Auto Mentors the type of vehicle you’re looking for and your price range, and watch them take care of the rest. Services include:

  • Consultation, research, and advice
  • Dealer negotiation on your behalf
  • No obligation test drives, no hard selling; just a smoother, simpler experience

Go green, save green

Get a 0.25% APR* discount of your Unitus auto loan rate when you finance a hybrid or fully-electric vehicle.2

Apply Now

Apply in just minutes and get a fast approval!

Easy, simple, and hassle-free financing just for you. Drive away happy with the car, truck, or SUV you’ve always wanted!

Apply Now

Disclosures

*APR = Annual Percentage Rate.

1Auto Loan Rates are based on your credit history and credit qualifications. Terms and conditions apply. Loan subject to maximum loan-to-value requirements. Offer valid August 1 – September 30, 2026.

  • Get up 1.25% off your current auto loan from another lender.
  • If your auto is a Hybrid or an Electric Vehicle, get an additional discount of 0.25%.
  • Your rate cannot go lower than 4.99%.
  • Any year vehicle is eligible and must have a clean title (not branded) verified through Carfax.
  • We require proof of the current rate with another lender. (Current statement from existing lender or a purchase order with finance details, if recently purchased and no statement available).
  • Terms up to 84 months.
  • Existing CUDL loan or Unitus auto loan do not qualify.

2Reduce rate by 0.25% for Hybrid/Electric Vehicles. See Rates Details.

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