Auto loan financing the simple way. 
Car, truck or RV...if it's got wheels, we've got a loan. Enjoy driving the vehicle you want, with payments you can afford! Discover the benefit of being pre-approved with U1 before visiting a dealership.
We'll help you buy a new or used vehicle, or refinance your current loan. A quick and easy online process with the low car loan rates and flexible terms you want!
The best part?
Get started today! Membership Eligibility: Find out how to become a Universal 1 member. |
U1 vehicle loan benefits include:
Low rates
Flexible terms
Quick & simple online or mobile-friendly application
No-hassle processing
No hidden fees
Over 80 years of reliable, local car financing service
Click below to view our auto loan rates.
Auto Effective Date: Sunday, July 13th, 2025
Type Term Rates as low as APR
2019 - Newer
Up to 63 months
6.29%
6.37%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $20,000 loan with a $40 application fee for 63 months and a monthly payment of $374.33.
2015 - 2018
Up to 63 months
7.49%
7.57%
*APR = Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. APR shown is based on a $20,000 loan with a $40 application fee for 63 months and a monthly payment of $385.70.
For additional Auto rates and terms, please call 800-762-9555, option 0.
RATES Want more convenience? Make payments & manage your account easily by signing up for Online/Mobile Banking!
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* APR = Annual Percentage Rate. Loan rate not lower than 6.29%. All loans are subject to credit approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rate and terms subject to change.