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Auto Refinance

Love your car but want to break up with your car loan?

Apply now

If you’re in SoCal, take advantage of our low interest rates when you refinance your car through us… they’re just a click away.

Here are four great reasons to refinance with UMe

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1. Lower your monthly payment

Fork over a little less for your auto loan each month, and treat yo’self!

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2. Lower your interest rate

You could save hundreds of dollars in the long run.

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3. Pay off high-interest debt

Use the equity in your car to slay some debt dragons.

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4. Add or remove a signer

Share the love with a new signer, or relieve an existing signer.

Current Rates

New Vehicle Loans - Cars, Trucks, and SUVs

Term

APR* as low as

NEW Cars, Trucks, & SUVs | 2020-2021 | mileage up to 5k
Financing up to 100% | Terms up to 84 months

*APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.

Term

24 months

APR* as low as

2.00%

Term

36 months

APR* as low as

2.25%

Term

48 months

APR* as low as

2.50%

Term

60 months

APR* as low as

2.75%

Term

72 months

APR* as low as

3.50%

Term

84 months

APR* as low as

4.25%

Used Vehicle Loans - Cars, Trucks, and SUVs

Term

APR* as low as

USED Cars, Trucks, & SUVs | 2011-2020 | mileage up to 150k
Financing up to 100% | Terms up to 84 months

*APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.

Term

24 months

APR* as low as

2.50%

Term

36 months

APR* as low as

2.75%

Term

48 months

APR* as low as

3.00%

Term

60 months

APR* as low as

3.25%

Term

72 months

APR* as low as

4.00%

Term

84 months

APR* as low as

4.75%

Interested in cashing out?

If you have equity in your car (i.e. your car’s value is greater than your outstanding balance), you can “cash out” by refinancing your car loan. This will give you access to a cost-effective source of money at a low, fixed rate.

Example: If your current car is worth $25,000 according to Kelley Blue Book, but you only owe $20,000 on your existing loan, we will refinance your loan for the $20,000 balance AND fund an additional $5,000.

You can then use the extra cash for anything—from paying off high-rate debt to taking a much-needed vacation. You’re the boss!

Illustration of a form and a money bag

Ways to pay your loan

  • Payroll Deduction

    If you have a loan with the credit union, payroll deduction is a convenient way to have your loan payments automatically deducted from your paycheck.

    To find out if you’re eligible for payroll deduction, contact your employer’s benefits department. If you already have payroll deduction set up with the credit union and want to set up automatic loan payments, call us at (818) 238-2900.

  • Automatic Transfers

    Automatic transfer allows you to make loan payments on a recurring schedule, from a UMe account or most any other financial institution.

    To set up an automatic transfer, fill out our Share to Loan Transfer Form or give us a call at (818) 238-2900.

FAQs

We make it super duper easy to apply for a loan! At UMe, you can apply online 24/7, visit us, or give us a call at (818) 238-2900.

Whether it is a new or used vehicle, we offer up to 125% financing at UMe!

GAP stands for Guaranteed Asset Protection and pays the difference between what you owe and what your insurance company will pay — filling the gap!

When you purchase a vehicle, it depreciates the moment you drive it away. So, if your vehicle is stolen, or totaled in an accident, you could end up owing more than the vehicle is worth. GAP is designed to pay the difference between the insurance settlement and the loan balance, so you don’t owe money for a vehicle you no longer have.

If your GAP-covered vehicle is totaled, and you finance a replacement vehicle with UMe, you will receive a $2,500 deposit into your UMe account. Additionally, our GAP includes up to $500 deductible reimbursement twice a year.

You may cancel GAP at any time. If you cancel protection within 90 days, you will receive a full refund. You’ll receive additional information before you are required to pay the fee for this product.

UMe has all of your vehicle financing needs covered. All you need to do is fuel up and you’re set!

Refinance your auto loan

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