Rates That Yield to Your Budget

Annual Percentage Rate (APR) based on your credit
Excellent Good Average Fair Marginal Poor /
No Score
1 to 48 3.40% 3.90% 4.15% 7.40% 12.25% 15.05%
49 to 66 3.65% 4.15% 4.40% 7.65% 12.70% 15.50%
67 plus 3.90%
4.40% 4.90% 9.15%* 14.65%* 17.45%*

*You may qualify for a rate reduction of 1.5% based on a loan-to-value ratio that is less than 100%.

Rate discounts do not apply to current UFCU loans.

These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.

Term restrictions may apply.

Monthly Payments You Can Afford


Monthly Payment Per $1,000 Borrowed

$43.50 (24 mo) $29.07 (36 mo)
$21.85 (48 mo) $17.58 (60 mo)
$14.73 (72 mo)

(Assuming good credit)

Vehicle Buyer’s Check (VBC)

Ask about our convenient Vehicle Buyer’s Check for your dealership purchase. If you qualify, you can take advantage of this quick and easy option – simply complete the check, hand it to the dealer, and drive off in your new car!

Electronic Vehicle Buyer’s Check (eVBC)

An electronic Vehicle Buyer’s Check (eVBC) is the modernized, digital version of our VBC. Get all the benefits that come with preapproval, and be treated like a “cash buyer” at the dealership. Shopping for a new car is easier than ever if you qualify for this option.

Refinance to Drive Down Your Rates

By refinancing auto loans from other lenders, we’ve saved our members an average of $1,950 in interest on their car loans and lowered their monthly payments by as much as $50. If another financing institution can do better, we’ll refer you straight to them — we promise.

Ready to refinance? Have your original loan contract or payment book ready, and apply online or give us a call at (512) 498-CARS.

Loan Terms for Every Vehicle

UFCU offers flexible loan terms. Please discuss your individual needs with one of our loan officers.

Protect Your Auto Investment

UFCU can help you cover what your auto insurance doesn’t, with Extended Warranties, GAP Protection for total auto loss, and Debt Cancellation in case of unexpected life events.  

Find Out More

Calculate Your Monthly Payment


This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

Available Cash
How much car can you afford? Use this calculator to help determine the available cash you have to buy a car.

Protect Your Assets
UFCU Insurance Services
Independent & unbiased