Vehicle Loans


Online Auto Loan Promotion Graphic

Cruise into summer with a low-rate auto loan from UICCU!

Apply for and close your vehicle loan online and get up to 2%* off your annual percentage rate. Save yourself some time and money with UICCU!

Use the promo code ONLINEAUTO on your application to let us know you want to save money on your rate!

U & I Are Going Places Together!

As the #1 local lender for auto sales, we’re your home team for affordable vehicle loans. Whether you’re looking for a great deal on a new (or new to you) vehicle or trying to lower your current vehicle loan payment, U of I Community Credit Union is here to help!

Enjoy your next road trip, tailgate, day off, or daily errands more by knowing you’ve got the best possible rate on your loan.  We also offer online payments to save you time!

Want to learn more?  Check out our Advice Center to read articles we’ve written about vehicle loans and other financial topics.

Let's Go Places Together!

Apply Now

Vehicle Loan Rates

Vehicle AgeAvailable TermAPR** starting at:
2013 or newerUp to 48 months2.99%
2013 or newer49-63 months3.20%
2013 or newer64-75 months3.70%
2012 or olderUp to 48 months4.95%
2012 or older49-63 months5.45%
2012 or older64-75 months5.95%
Available term lengths are based on retail value.***

Loan Services

Vehicle Loans

Get great rates and fast local approval on new or used cars, trucks, motorcycles, and more! Qualified members can get up to 125% financing. We have flexible terms to fit your budget, including loans for older vehicles.


RV & Boat Loans

Whether you spend your leisure time on the water or on the road, we can help you relax with a great rate. We offer competitive financing up to full retail value for boats, campers, jet skis, motor homes, and more.



Love your vehicle but not your monthly payment?

If you’re ready to refinance, simply apply and provide the payoff amount and your current lender’s information. Let’s see if we can save you money!


Vehicle Loan Payment Calculator

Get the Best Vehicle Loan in Town!

Apply Now

You May Also Be Interested In...

Making Loan Payments

We offer multiple different payment options to keep you ahead on your loan and ahead in life.

Learn more about our payment options and see why we are easy to work with!

Loan Payments

Loan Protection Insurance

Enjoy your next vehicle loan with the peace of mind that only our loan protection services can offer.  We can help you cover payments if life threw you a curveball or to help with repairs.

Learn more today!

Loan Protection

Local Dealerships

We wouldn’t be the #1 local lender without the help and support from some local dealerships.

Learn more about the dealerships that can help close your UICCU loan on the spot.


How Else Can We Help?

Don’t hit the brakes yet! We offer multiple products and services to help improve your financial life. From checking accounts to personal loans, we’ve got you covered at every step along the way.

Let us know how we can help!

Checking Accounts

Want convenient access to your money?  How about 24/7 access to manage transactions, transfers, and more?

Take advantage of our Loyalty Checking accounts and you could save 0.25%* on your vehicle loan with us!

Checking Accounts

Credit Cards

Save money, earn points, and support your community in style!

Our credit cards offer you the ability to easily shop at your favorite businesses, manage your transactions, and earn rewards to help you fully live your life.

Credit Cards


Whether you are thinking about buying a home, looking to purchase your dream home, or already own a home; our mortgage experts are here to help you every step along with the way.

Come talk with us and see how we can help you today!


Have a Question?

Contact Us


* 2% off APR offer includes discounts for automatic payment, Illini Plus checking account holders, 90% or less loan to value, and online application submission. Not all members will qualify for all discounts. Actual APR will vary based on individual creditworthiness, loan term, and other applicable discounts but will never be less than 2.99%. Must submit initial loan application through UICCU’s online application portal from 06/01/19 to 08/31/19 and the loan must be closed electronically with funding completed by 10/31/2019 to qualify for online discount. Online discount applies to new and used vehicle loans only. Existing UICCU loans and recreational vehicles do not qualify. All loans subject to approval. All APR discounts are a limited time offer and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU Member Service Representative for additional details.

** The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.

*** Vehicle value must be greater than $15,000 in order to qualify for 75 month financing and greater than $40,000 for 84 month financing. Maximum terms subject to vehicle mileage. For new vehicles, retail value is based on Manufacturers Suggested Retail Price (MSRP) as shown in the NADA Car Appraisal Guide minus rebate. For used vehicles, retail value is determined using the Central Region from a current NADA Official Used Car Guide. If the vehicle value is less than $7,500 Personal Loan Rates apply. If the vehicle is being purchased through a private party, the lesser of NADA retail or purchase price will be used. All rates subject to change.

For RVs with a value and loan amount that exceeds $50,000, we offer fifteen-year amortization. This type of loan makes your payments lower and frees up cash for other uses. At the end of 60 months the rate is adjustable based on the prime rate plus a margin. A similar ten-year amortization option is available for RVs with a value of $35,000 or greater.