Looking to replace your daily commuter?

Maybe it’s time to get that classic from your youth. No matter the vehicle, United Bay Community Credit Union has an auto loan to fit your needs.

Want to figure out what your payments will be? Use our payment calculator!


Stop by any branch or apply online through Ubay@Home to figure out your budget and get pre-approved.

Already at the dealership? Our Indirect Lending Program makes it easy for you to secure a UBCCU auto loan without leaving the showroom.


Vehicle Loan Rates*
Effective Date: Sunday, October 1st, 2023
Rates for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans. Automobile loans in excess of 84 months are reserved for existing active members with at least 1 year of membership.
Maximum Length of Loan*Annual Percentage Rate (APR) as low as*Requirements
Up to 60 months 6.49%  
Up to 72 months 6.74% $10,000.00 or greater
Up to 84 months 7.24% $20,000.00 or greater
Up to 96 months 7.74% $30,000.00 or greater
Up to 108 months 8.34% $30,000.00 or greater
Up to 120 months 8.94% $30,000.00 or greater

*Experian/Fair Isaac Risk Model Credit Score, term of loan, vehicle value and loan amount are used to determine which rate you qualify for. Rates, terms and conditions vary based on credit score, qualifications and value. All loans are subject to approval. Rates are subject to change without notice.


Extra Protection Available

Debt Protection with Life Plus

GAP Plus

Mechanical Repair Coverage


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