That’s easy. Purchase your vehicle through our CUDL program, where more than 175 local dealerships can approve your loan for Unitus financing right on the spot! Simply tell your salesman that you’re a Unitus member and they can handle the rest.
Your title can be released the next business day if your payoff is made via payroll deduction, a cashier’s check or transfer from available funds. Otherwise, the title to your vehicle will be released in about 10 business days.
Unitus is the lien holder on your vehicle. In the event your vehicle is totaled or stolen, the insurance company will need to send the claim check directly to Unitus to be applied against your loan balance.
GAP Coverage helps avoid the situation where someone’s car is totaled or stolen and their insurance coverage doesn’t cover the full cost.
Many insurance companies only pay the ‘Actual Cash Value’ of the vehicle. In most cases, this doesn’t equate to the loan balance, and the borrower is left paying the difference.
To protect members from this unpleasant situation, we’ve partnered with Allied Solutions to offer an inexpensive solution. Named Guaranteed Asset Protection Insurance (GAP), our GAP program waives the difference between your primary insurance company’s settlement and your Unitus auto loan balance, meaning less delinquent payments and fees, refundable service warranty contracts and other insurance related charges.
GAP is offered to members for a low one-time fee and is good for the life of your loan. If for any reason you are unsatisfied with this coverage, you can cancel the protection and receive a full refund during the first 60 days.
To make your decision even easier, we offer several payment options. You can add the premium to your auto loan (which will increase the payment accordingly), write us a check, or transfer the full amount from your Unitus savings or checking account.
For a quick quote or to learn more about our program contact us at 503.423.8770.
Under most circumstances, a consumer loan application can be approved online within sixty seconds and a first mortgage application in about 15-20 minutes. In some cases, a loan request may take a bit longer to review, but we usually return a decision within the next business .
If you have a vehicle loan with Unitus, you are required to maintain full coverage insurance at all times, with a maximum deductible of $1,250. CPI, or Collateral Protection Insurance, is added by Unitus only if you are not able to provide this proof of insurance.
CPI is more costly than regular vehicle insurance, doesn’t cover your liability, and only protects the Credit Union’s interest in the vehicle. If you are billed for CPI, we strongly encourage you to obtain vehicle insurance and then contact the Credit Union.
If you have a vehicle loan with Unitus, you are required to maintain full coverage insurance at all times, with a maximum deductible of $1,250.
The standard late payment fee of 5% of payment due or $20, whichever is greater.
Yes, Unitus offers our members loans on new and used snowmobiles, ATVs and personal watercrafts. They are classified as Small Recreation Vehicle Loans which also include motorcycles, tent trailers, etc.
Unfortunately, we cannot access your credit score until you submit an application. If you know your credit score we can provide an estimated rate, then confirm it once you have submitted your application and we can access your score. The majority of our applicants receive the lowest quoted rate.
The credit union has several programs for homebuyers with a limited amount of funds for both a closing payment and down payment. These programs are open to all homebuyers, not just first time owners. For more information, contact Unitus Mortgage.
739 - 700
699 - 660
659 - 610
609 - 560
559 or below
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.
*APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications.
Minimum loan amount is $250. Maximum loan repayment period is 36 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
Private mortgage insurance is a financial guarantee that protects the lender in the event a borrower defaults on a mortgage. To purchase a home without mortgage insurance, borrowers generally need enough money to make a down payment that’s at least 20% of the price of the home. To put 20% down on a $200,000 home, a borrower would need to come up with $40,000! This is quite a hefty down payment.
With private mortgage insurance, you’ll reduce or eliminate the need for accumulating a down payment, which will allow you to purchase that $200,000 home sooner!
A Credit Union is a place where people with common interests, like where they live or work, come together to save and borrow their money.Credit Unions provide many of the same services that banks do, but there are a few things that make us different:
- We are “not for profit”. This simply means we’re not in business just to make money
- Money that we do make is returned to you in the form of better rates and services
- We’re owned by you—the member
- As much as possible, the money we make is spent and put back into the local community where you live
Yes, Unitus encourages you to pay your loan off early.
If your credit score improves after you close your loan, at your request, we can modify the interest rate on your loan. Contact us for more information. (This does not apply to 1st Mortgage loans.)
“Unite us” is at the very heart of the Unitus name and we’re committed to treating every member like family. For over 75 years, we’ve been providing exceptional, low cost services to our members.
When it comes to community partnerships, Unitus likes to think we have an unobstructed vision. A large part of that vision includes working with organizations that positively shape education and health and human services. Click here to view some of the organizations we’ve partnered with throughout the years.
It’s important our members know that one of Unitus’ core values is to give back to the communities we serve, both socially and economically. Unitus provides its employees with paid volunteer hours once per month with our branch community partners.
In most cases, your credit score determines your interest rate. If more than one applicant is making an application, we will use the higher of the two scores to give you the lower rate. (This does not apply to 1st Mortgage loans.)
Of course! However, Unitus cannot distribute funds until your Unitus account has been opened. To speed up the process, we recommend that you apply for membership before submitting a loan application.
Unitus wants to help identify bicycling as a legitimate mode of transportation and supports the active and healthy lifestyle we share in the Pacific Northwest.
Sellers can contribute to closing costs on most of our loan programs.
In general, monetary gifts can be used toward down payment. For more information, contact a first mortgage specialist directly at 503.471.3325 or 800.452.0900.
The money that you borrow from Unitus for a bicycle loan stays within your own community. Your money is then borrowed by fellow Unitus members to further establish a healthy living community with opportunity to grow. It’s people helping people.
Self-employed members need loans too! Typically, we ask that self-employed borrowers have at least a two-year history in their current business. However, this can depend on many different factors, such as your credit worthiness. For more information, we recommend contacting one of our mortgage specialists directly at 503.471.3325 or 800.452.0900.
Loan term is based on the amount borrowed. Maximum loan term is 36 months.
Yes, you do. There is a $10 membership fee and you do have to keep $5 in your savings account at all times as this is your “ownership” or “share” in Unitus.
Your eligible to join if:
- You live or work in Multnomah, Washington, Clackamas, Marion, Polk, Yamhill, Columbia, Hood River, Benton, Linn, Lane, Deschutes, Douglas, Josephine, or Jackson County in the State of Oregon.
- You live, work*, worship, or go to school anywhere in the State of Washington.
- Someone in your immediate family is elgible for membership at Unitus or is already a member (e.g. spouse, parent, brother, sister, aunt, uncle, grandparent, or grandchild).
*Directors, retirees, volunteers, and natural persons under contract to work for organizations located anywhere in the State of Washington are also eligible to join.
Yes, the Unitus bicycle loan is for new and used bicycles.
- New and used bicycles
- 100% of total purchase price (including accessories)**
- Minimum: $250
- Maximum: $7500
Yes, the total purchase price can include the cost of the bicycle and accessories (not to exceed 120% of the retail price of the bicycle).
Yes, your credit will be checked to qualify you for a bicycle loan.
No, except our standard late payment fee of 5% of payment due or $20, whichever is greater.
Click the “Forgot your Password” link and follow the prompts to reset your password.
Not at this time.
Find out how it works.
Do not use online loan payment service to pay off your loan, this can cause a shortage and may cause a delay in the release of your title.
Note: Please contact Loan Services at 503-423-8399 for loan payoff instructions.
The loans you can make a payment on include auto loan, home equity, credit card, personal loans, KWIK lines of credit and certain business loans where the minimum payment is $1500.00 or less.
You cannot make a payment to your mortgage loan through this service. Please visit the mortgage portal within the uOnline to make a payment to your mortgage loan.
You cannot make a payment through this service on your student loans. Please visit our Student Loans page to access the Student Loan Center where you can make a payment.
You will receive this error if you are attempting to log in after you have registered. Ensure the password/email combination you used to register is the same as the information you are entering when attempting to log back in.
The primary borrower and/or the joint borrower on the loan can make a payment through this service. If you are not a borrower on the loan, you will not be able to access this service.
This service is designed to work on variety of devices including your smart phone. The compatible browsers are Chrome, Internet Explorer (version 11.0 and above) or Firefox.
Members must be less than 30 days delinquent to use the online loan payment service.
Note: If your loan is over 30 days delinquent, please reach out to Unitus’ Collections at 503-423-8710 or 1-800-452-0900 ext. 8710.
If you are having trouble with making your payment, please contact the Loan Services department at 503-423-8399.
Yes, joint borrower or primary borrower can both use this service to make a payment and can register for this service.
Please note: the payment will not display on your loan or within this service immediately. The method you used to make a payment (debit or account and routing number) will affect when the payment is applied to the loan.
If you use the debit card option to make the payment: Your payment will reflect on your loan after 6:05 p.m. PST the same day you made the payment. If you made the payment after 6:05 p.m. PST, your payment will display the following day.
If you use the account/routing number option to make the payment: If you made a payment before 6:00 p.m. PST on a business day, your payment will reflect on your loan after 6:05 p.m. PST. If you made a payment to your loan after 6:00 p.m. PST or on a non-business day, your loan payment will reflect on your loan after 6:05 PST on the next business day.
If you are logging back into this payment portal as soon as you made the payment, you will not see your payment reflected until the next business day.
You do not have the ability to cancel or edit a payment through this online payment service.
Please ensure that you are the borrower or co-borrower on the loan. This may also mean that your loan payment cannot be made through this service because your minimum payment is greater than $1,500, your loan is paid off in full, your loan is set to be paid off within 2 months or if your loan is 30 or more days delinquent. Please contact the Loan Services department at 503-423-8399 if you would like to make a payment to a loan that is not displaying for you.
The maximum payment amount to use this service is $1,500. Any funds received in the excess of your loan payment will be applied to the principal balance of your loan.
Not at this time.
Yes, simply type the amount of the payment you wish to send instead of the regular monthly payment amount. Keep in mind that the maximum amount you can pay using this service is $1,500.00.
A “Payment Confirmed” Screen will display for you once you’ve followed all the prompts and a confirmation email will be sent to you.
It may take 3-5 business days for the funds to be withdrawn out of your other financial institution.
Yes, Members may make a partial payment on their Unitus loan using the online loan payment service.
If you have questions related to the specific payment that you made, please contact the Loan Services department at 503-423-8399 between 8:00 a.m.-4:30 p.m. PST.
No. At this time, principal only payments are not available to be processed using the online loan payment service.
Please contact the Loan Services department at 503-423-8399 between 8:00 a.m.-4:30 p.m..
Once you’ve entered your identifying information, the system will display your payment amount and your due date. Your payment amount is also located on your statement or on your loan coupons.
All payments made through the online loan payment service will be applied as a regular payment to your loan account, according to the terms of your Loan Agreement with us. This includes extra funds received with the payment. If you are unsure how payments will be applied to your loan account, please contact our Loan Services department at 503-423-8399.
Making the payment using your Unitus account is simple and free. If you would like to make a payment using your Unitus account, please log in to uOnline by clicking the “Login to uOnline” button at the top of the page.
Please check your spam or junk folders for the confirmation email. If you are using a work email through your employer, please ensure that the email was not blocked by your employer prior to reaching your inbox.
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