Auto Loans
Find financing that fits you, and your next vehicle, at Union Square Credit Union. Our auto loan process is easy and member-friendly. Apply online, speak with a specialist at our Lending Center, or finance at the dealership through one of our express dealer partners. Enjoy low rates, flexible terms, and support every step of the way.
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
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.