Vehicle Loans

Overview

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.

Loan Services

New or Used Vehicles

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. If you have a Loyalty Checking Account, you may qualify for an additional discount, plus we’ll give you a 0.25% discount for payroll deduction or other automatic payment!

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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. Set up payroll deduction or other automatic payment to get a 0.25% discount! If you have a Loyalty Checking Account, you may qualify for an additional discount.

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Refinancing

Love your vehicle but not your monthly payment? Ask us for a free comparison calculation to see if refinancing your auto loan or recreational vehicle loan will help you save money! If you’re ready to refinance, simply apply and provide the payoff amount and your current lender’s information.

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Vehicle Loan Rates

Vehicle AgeAvailable TermAPR* as low as:
2012 or newerUp to 63 months2.99%
2012 or newer75 months3.45%
2011 or olderUp to 63 months5.20%
2011 or older75 months5.70%

Loan Rate Disclosures

Available term lengths are based on retail value.**

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.

Helpful Links

Local Dealerships

Get fast approval and on-the-spot financing at local dealerships.

FIND LOCAL DEALERS

Ask Auto App

Compare vehicles and apply for a loan on the go.

Get the App

Protect Your Vehicle

Our members benefit from special insurance options.

Learn More

Get the best vehicle loan in town!

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Vehicle Loan Disclosures

*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.