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Auto Loan Rates

UMe Credit Union isn’t just any credit union. We’re your credit union, and we care about your needs and your dreams. There’s no limit to what we can achieve together-- including affordable auto loans

All of our auto loan rates are subject to change at the first of each month. Once approved, your rate is good for 60 days, giving you plenty of time to shop for your perfect vehicle! 

Our members get more than just a simple auto loan; we offer plenty of services to fit your financing needs such as:

If you live or work in Burbank or the surrounding area, take advantage of our low-interest rates when you finance your car through us!

New Auto Loan Rates

Our new auto loan rates are always competitive. New auto loans apply to new cars, trucks, or SUVs between 2019-2020 with mileage up to 5k. We offer financing up to 100% and terms up to 84 months!

Used Auto Loan Rates

Used auto loan rates apply to all vehicles between 2009-2019 with mileage up to 150k. With our used auto loans, we also offer financing up to 100% and terms up to 84 months!

Refinancing Rates

Refinancing your existing auto loan might be beneficial to you as well. Benefits of refinancing include:


  • Lower monthly payments

  • Lower overall interest paid 

  • Shorter loan term

  • More cash to use for another purpose (vacation, paying off debt, etc.)

How Your Credit Score Affects Your Rate

Several determinants go into calculating your auto loan rate. One of these factors is your credit score. Knowing how your credit score affects your auto loan rate will prove valuable when it comes time to apply.


The higher your credit score, the lower the APR you will receive. Individuals with a high credit score, 760 or above, could expect interest rates as low as 3%, or below in some cases. Lower credit scores, such as 580 or below, could expect to see rates as high as 20% in some cases.


An auto loan includes factors that rely on the applicant’s ability to pay everything back. In essence, your credit score gives us a sneak peek of the risk involved with financing your vehicle. Credit scores are established through determining factors such as payment history, length of credit history, amounts owed, etc. 

The Perfect Fit

It’s in our name. U + Me = UMe Credit Union. Together we are the perfect fit, and we can get you where you need to go. We’ll make driving your new or used car more affordable and enjoyable in no time. 


apply for a car loan!

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