Current Auto Loan Rates

Unitus offers some of the best car loan rates around. The table below will help you find the auto loan interest rates for your new or used vehicle purchase.

Download our Consumer Auto Loan Rate Sheet.

Auto Loan Rates

Rates effective as of June 26th, 2016
Loan Type Range
New Autos, Vans, Trucks & SUVs (2014 or Newer)
12 - 36 Months 1.99% APR* - 14.49% APR*
37 - 60 Months 2.49% APR* - 14.74% APR*
61 - 66 Months 2.74% APR* - 14.99% APR*
67 - 75 Months 3.24% APR* - 15.49% APR*
76 - 84 Months 3.49% APR* - 8.99% APR*
New Hybrid or Full Electric Autos, Vans, Trucks & SUVs (2014 or Newer)
12 - 36 Months 1.74% APR* - 14.24% APR*
37 - 60 Months 2.24% APR* - 14.49% APR*
61 - 66 Months 2.49% APR* - 14.74% APR*
67 - 75 Months 2.99% APR* - 15.24% APR*
76 - 84 Months 3.24% APR* - 8.74% APR*
Used Autos, Vans, Trucks & SUVs (2011 to 2013)
12 - 36 Months 2.49% APR* - 14.74% APR*
37 - 60 Months 2.74% APR* - 14.99% APR*
61 - 66 Months 2.99% APR* - 15.24% APR*
67 - 75 Months 3.49% APR* - 15.74% APR*
76 - 84 Months 3.74% APR* - 9.24% APR*
Older Autos, Vans, Trucks & SUVs (2010 or Older)
12 - 48 Months 3.49% APR* - 15.49% APR*
49 - 60 Months 3.74% APR* - 15.74% APR*
61 - 66 Months 3.99% APR* - 15.99% APR*
67 - 75 Months 4.49% APR* - 16.49% APR*

*APR = ANNUAL PERCENTAGE RATE. Rates are based on your credit history and credit qualifications. We may finance up to 100% NADA/KBB retail value MSRP, plus any taxes, title fees, or dealer maintenance contracts. For Older Autos (2010 and older) we may finance up to 100% of NADA/KBB for Tiers 1-2 borrowers and up to 80% of NADA/KBB on Tiers 3-6 borrowers. Autos with over 100K miles we may finance up to 100% for Tier 1 borrowers and up to 80% of NADA/KBB retail value for Tier 2-6 borrowers plus any taxes, title fees, or dealer maintenance contracts. Estimated repayment periods: 12-84 months; 67 - 75 month repayment periods requires $10,000 minimum loan amount; 76 - 84 month repayment periods requires an applicant credit score of 610 or better for New and Used Auto Loans and a $15,000 minimum loan amount. Max 75 month repayment period for Older Autos. Dealer maintenance contracts are limited to $3,500. We do not finance reconstructed/salvaged vehicles or lemon law buybacks. Additional terms may apply; contact the Credit Union for more information.

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