Young couple driving new car

Auto Loans

Driver-friendly financing for whatever gets your motor running

Replace your daily commuter. Get something roomy enough to haul cargo – or kids. Or invest in one of those American classics that made Detroit famous. At United Bay Community Credit Union, we know that vehicle choices often reflect a driver's personality. Whether you're in the market for a car, truck or SUV, our flexible auto loans are designed to bring out your happy side.

  • Financing for new and used vehicles
  • Competitive rates
  • Repayment terms up to 120 months
  • Get pre-approved for your loan for a better shopping experience online or at the dealership. Stop by any branch or apply online through Ubay@Home to figure out your budget and get pre-approved.
  • Want to figure out your monthly payments? Use our payment calculator

Turn miles into memories

Auto Loan

Proudly serving our members since 1949.
  • As Low as 6.75% APR**
  • No Payment Up to 75 days

**APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score and loan term will determine which rate you qualify for. No payments for up to 75 days. Certain restrictions apply. Offer starts January 2, 2024. Limited time offer. Rates based on credit score. Rate and terms are subject to change at anytime. Membership is required and based on eligibility.

*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

It's the vehicle version of one-stop shopping. If you're at the dealership and have chosen your next ride, ask the sales rep to get you United Bay financing right on the spot through our Indirect Lending program.