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New and Used Auto Loans

Got your heart set on a new ride? We'll help you get behind the wheel.

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So it’s time for a new car, huh? We make financing a breeze with our easy online loan process and competitive rates.

The Details

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Low monthly payments

Loans designed to keep your monthly payments manageable.

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Financing available up to 125%

We have flexible financing terms up to 84 months.

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No payments for 90 days*

When you’re ready to get behind the wheel, you’ll enjoy 90 days of driving, payment-free.

Current Rates

New Vehicle Loans - Cars, Trucks, and SUVs

Term

APR* as low as

NEW Cars, Trucks, & SUVs | 2021-2022 | 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

3.25%

Term

36 months

APR* as low as

3.50% 

Term

48 months

APR* as low as

3.75% 

Term

60 months

APR* as low as

4.00% 

Term

72 months

APR* as low as

4.50% 

Term

84 months

APR* as low as

5.25% 

Used Vehicle Loans - Cars, Trucks, and SUVs

Term

APR* as low as

USED Cars, Trucks, & SUVs | 2012-2021 | 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

3.50%

Term

36 months

APR* as low as

3.75%

Term

48 months

APR* as low as

4.00% 

Term

60 months

APR* as low as

4.25%

Term

72 months

APR* as low as

4.75% 

Term

84 months

APR* as low as

5.50% 

Ways to pay your loan

  • 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.

  • 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.

Auto Loan 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!

Apply for an auto loan

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Disclosures

NOTE: Our approved non-franchise car dealers include: AutoWorkz, Autoland, CarMax, Enterprise, IMX Auto Sales & Leasing, MDK International, and Radical Auto.

*Payment Deferment is subject to approval and will occur in the first 90 days on new and used auto loans. New money only. Interest will accrue over the 90 days. Please call UMe Credit Union in Burbank for more information. Our number is (818) 238-2900.