Auto Loans
Whether you're purchasing a new or used vehicle, refinancing an existing auto loan, or financing through one of our dealership partners, we're here to help you find a loan that fits your budget.
Why Members Choose Union Square Auto Loans:
- Competitive auto loan rates
- Financing for new and used vehicles
- Online application available 24/7
- Flexible repayment terms
- Local lending decisions
- Dealership financing available
- Friendly service from a trusted local credit union
New & Used Auto Loan Rates
Rates effective as of January 7, 2026
Rates for new and used autos, motorcycles, boats, or recreational vehicles are the same.
| Term | APR |
|---|---|
| 61 - 84 Months | 5.99% - 17.95% |
| 60 Months or Less | 5.74% - 17.49% |
| 60 Months, Other Collateral: 4 Wheelers, ATVs, equipment, UTV's, and utility trailers | 7.74% - 17.49% |
- 2025 and newer: maximum term 84 months
- Used 2022-2024: maximum term 72/75 months
- Used 2021: maximum term 66 months
- Used 2020: maximum term 60 months
- Used 2019: maximum term 54 months
- Used 2018: maximum term 48 months
- 2017 & Older: maximum term 42 months
High-mileage vehicles qualify at shorter terms.
Recreational vehicles, boats, and motorhomes with terms longer than 72-75 months follow the rate structure above with an additional 0.25% for every additional 12 month period.
Extended terms are allowed with a maximum term of 120 months. Each 12 month increase in term adds an additional .25% over the stated 72-75 month term above.
Street-legal motorcycles follow the auto term rates listed above. All non-street-legal motorcycles have a maximum term of 60 months.
Vehicle Loan Calculator*
*This information and interactive calculator are provided for general education and informational purposes only. The payment amounts, interest rates, and other results shown are estimates and are not guaranteed about your individual circumstances. All examples are hypothetical, and they do not represent an offer to lend, a commitment, or the actual terms of any Union Square Credit Union loan product.
Annual Percentage Rate (APR) may change at any time as determined by the Union Square Credit Union Board of Directors. Rates reflect a low-to-high range based on loan terms. Lower rates in each range apply to well-qualified applicants. Normal credit criteria apply to all applicants. Rates may differ and are based on several factors including credit history, model year, term, and other factors. Your actual APR will be determined at the time of disbursement.
Vehicle Loans we offer:
- New Vehicles
- Used Vehicles
- Truck and SUVs
- Motorcycles
- RVs
- Boats
Get Pre-Approved before you shop:
Getting pre-approved for an auto loan can help simplify the vehicle buying process.
Benefits of pre-approval include:
- Understanding your budget before shopping
- Knowing your estimated monthly payment
- Saving time at the dealership
- Shopping with confidence
Finance Through Participating Dealerships
Shopping at a dealership? Union Square Credit Union partners with participating dealerships throughout North Texas and Southern Oklahoma.
Simply tell the dealership you'd like to finance through Union Square Credit Union, and they can help guide you through the financing process.
Refinance Your Current Auto Loan
Already have an auto loan with another lender?
Refinancing your vehicle loan may help you:
- Lower your monthly payment
- Secure a more competitive interest rate
- Adjust your repayment term
- Better align your loan with your financial goals
Contact us today to discuss available refinancing options.
How to apply for an auto loan
Applying for an auto loan is simple:
Step 1: Review Rates
- Explore our current auto loan rates and financing options
Step 2: Apply Online
- Complete our secure online application
Step 3: Receive a Lending Decision
- Our team will review your application and discuss available options
Step 4: Purchase Your Vehicle
- Complete your financing and drive away with confidence
Auto Loan Eligibility
To apply for an Auto Loan with Union Square Credit Union:
- Applicants must meet membership eligibility requirements
- Credit approval is required
- Vehicle and loan qualifications may apply
- Additional documentation may be requested
If you're not already a member, we'll help you determine your eligibility and guide you through the membership process.
Frequently Asked Questions
How do I apply for an Auto Loan?
You can apply online, visit a branch, or contact our lending team directly.
Can I finance a used vehicle?
Yes. We offer financing options for both new and used vehicles.
Can I get pre-approved before shopping?
Yes. Pre-approval can help you understand your financing options before visiting a dealership.
Can I refinance my current Auto Loan?
Yes. Contact us to discuss refinancing opportunities.
Do I need to be a member?
Membership eligibility requirements apply. Our team can help determine your eligibility.
How quickly can I receive a decision?
Many applications are reviewed promptly during normal business hours.
Ready to Get Started?
Whether you're buying your next vehicle, refinancing an existing loan, or exploring financing options, Union Square Credit Union is here to help.