In addition to our low rates, you get the friendly, knowledgeable service you expect from UT Federal Credit Union, along with some added benefits that make it easier to get started:

  • No application fee
  • Easy online application
  • Affordable payment options
  • No pre-payment penalties
  • Multiple funding options
  • Simple closing process

UTFCU offers Guaranteed Asset Protection (GAP) and Extended Warranties that can be factored into your car loan. We offer our members exclusive rates and features that can save you hundreds of dollars over the long run. Ask your UTFCU lender for more information about our loan protection options.

Easy Rider Check

At UTFCU you can get pre-approved for a purchase and we’ll send you shopping with a blank check- good for a value up to your pre-approval amount. It’s as good as cash! You’ll be contacted by a UTFCU lender after submitting your loan application. Ask them about this funding option.

Easy Rider vehicles may not be more than six calendar years old or have more than 100,000 miles. Reconstructed, Lemon or Salvage branded titles are not eligible for purchase with the Easy Rider Check.

 

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Auto Loan Rates

Secured Loans
Effective Date: Saturday, December 21st, 2024
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Secured loan – 48 months 6.99% $23.29
Secured loan – 60 months 6.99% $19.81
Secured loan – 66 months 6.99% $18.30
Secured loan – 78 months 6.99% $15.43
Secured loan – 84 months 6.99% $15.10
Secured loan – 96 months 7.49% $13.89
*APR=Annual Percentage Rate. Actual Rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply.