Auto Loans

We take the stress out of car buying, so you can focus on the fun part.

We’ll Get You on the Road in No Time

Whether you’re purchasing or refinancing a car, Unitus is your go-to auto loan resource. We offer a range of options that make it easy to buy your dream car.

Purchase or Refinance Options

Secure a new or used auto loan, or lower your monthly payments by refinancing your existing auto loan.

Competitive Auto Loan Rates

We’re proud to offer some of the best auto loan rates in Portland, Vancouver and Salem.

Flexible Terms

Find a term to fit your needs.

Apply Online or By Phone

When you’re ready you can give us a call at 503.423.8770 or apply for a auto loan online in just minutes.

Personal Auto Shopper

Tell our local auto locator your desired car and price range, and they’ll do the rest.

Getting Ready to Buy a Car?

Our goal is to streamline and simplify the process of buying a car. Whether you’d like help choosing the car that’s right for you, or you’ve done your homework and you’re ready to buy from a dealership or private seller, Unitus can help make your car buying experience run smoothly. Let us help you with:

Explore Your Options

Want to learn more and compare your car buying and loan options? Visit our interactive Unitus Pathfinder tool to explore your auto loan options and learn more about the process.

Questions About Our Auto Loans?

Call us at 503.423.8770 or visit Loan Support.

Auto Loans: Family sitting in the back of their hatchback car as they camp near the ocean.

Auto Loan Rates: New Autos, Vans, Trucks & SUVs (2016 or Newer)

Repayment period

Min. Loan Amount

APR*

Up to 36 months

$500

3.79% - 16.04%

37-60 months

$5,000

4.29% - 16.54%

61-66 months

$6,000

4.54% - 16.79%

67-75 months

$10,000

4.79% - 17.04%

76-84 months

$15,000

5.04% - 11.04%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Auto Loan Rates: Used Autos, Vans, Trucks & SUVs (Model Years 2015 - 2013)

Repayment Period

Min. Loan Amount

APR*

Up to 36 months

$500

4.04% - 16.29%

37 - 60 months

$5,000

4.54% - 16.79%

61 - 66 months

$6,000

4.79% - 17.04%

67 - 75 months

$10,000

5.04% - 17.29%

76 - 84 months

$15,000

5.29% - 11.29%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Auto Loan Rates: Older Autos, Vans, Trucks & SUVs (Model Years 2012 or older)

Repayment Period

Min. Loan Amount

APR*

Up to 48 months

$500

5.29% - 17.54%

49 - 60 months

$5,000

5.79% - 18.04%

61 - 66 months

$6,000

6.04% - 18.29%

67 - 75 months

$10,000

6.29% - 18.54%

*APR = Annual Percentage Rate. Auto Loan Rates are based on your credit history and credit qualifications. Disclosures (PDF) »

Auto Refinancing

Cut your monthly payment by refinancing your existing auto loan, whether it’s an existing loan with Unitus or another lender. The process is quick and simple, and we handle the details for you.

If you have an existing Unitus Community Credit Union auto loan, contact our Member Loan Center by calling us at 503.423.8770 to find out if we can lower your payments.

Apply Online

Gap Coverage

This optional coverage pays the difference between the balance of your lease or loan and what your insurance company pays if the car is stolen or totaled. We offer this coverage to our members for a one-time fee, and it’s good for the life of your loan. You can cancel the protection and get a full refund within the first 60 days if for any reason you are unsatisfied with the coverage.

Green Auto Loans

Save money and gas, and help the environment. When you finance a 2016 or newer hybrid or fully electric vehicle through Unitus, we’ll reduce your auto loan rate by 0.25% APR.

Enterprise Car Sales

We’ve partnered with Enterprise to offer Unitus members another great car buying option.

Visit the Enterprise website to get started!

Auto Insurance

Our TruStage Auto Insurance Program provides 24/7 claims service, online services, and discounted rates for Unitus members.

Learn more

Auto Loan Protection

Protect your family, property and credit rating should you experience a sudden loss in income.

Learn how to add Loan Protection for your Unitus loan

Auto Mentors Auto Locating Service

Auto Mentors is our locally-owned auto locator service partner. Just tell them what type of vehicle you’re looking for and your price range, and they’ll take care of the rest. Their full range of auto buying services includes:

  • Consultation, research, and advice
  • Dealer negotiation on your behalf, or purchase directly from Auto Mentors
  • No obligation test drives, no hard selling
  • Trade-ins accepted
  • Unitus auto loan financing

This service is available to all of our members, their families and friends. Visit Auto Mentors online, or get in touch with Dale today:

Dale Gordon, Personal Auto Mentor
503.380.8282
Email Dale Gordon

Questions About Our Auto Loans?

Email us, call us at 503.423.8770 or visit Loan support

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