Vehicle Loans
Apply or refinance autos, boats, motorcycles, and RVs.
The Vehicle of Your Dreams Awaits
We do so much more than offer competitive rates — we also help you negotiate the best possible price.
Competitive, Low Rates
Enjoy competitive low rates with up to 100% financing.
Fast Pre-Approval
Get pre-approved quickly so you know your rate and loan amount before going to a dealer.
Refinance
If you have a higher-interest auto loan from a car dealer or bank, refinance with URW and get a lower APR on your monthly paymetns.
Low-Cost Financing
URW partners with select local auto dealerships to give our members low-cost financing.
Get Pre-arranged Pricing
URW’s Discount Auto Buying Program helps you find a new or used vehicle at a low, pre-arranged price* at selected dealerships.**
Vehicle Loan Rates
See all rates.
|
Term |
APR as low as* |
|---|---|
|
*APR – Annual Percentage Rate |
|
|
Term 24 Months or Less |
APR as low as* 5.00% |
|
Term 36 Months |
APR as low as* 5.00% |
|
Term 48 Months |
APR as low as* 5.25% |
|
Term 60 Months |
APR as low as* 6.20% |
|
Term 72 Months |
APR as low as* 6.50% |
|
Term 84 Months |
APR as low as* 7.35% |
|
Term 96 Months |
APR as low as* 8.35% |
|
Term 108 Months |
APR as low as* 9.35% |
Calculate Your Monthly Loan Payment
This calculator is for estimation purposes only. The monthly payment, interest rate, and total cost of borrowing can vary significantly based on your individual credit history, down payment, loan term, and the value of the vehicle. We are not responsible for the accuracy of the information provided by the calculator, and we are not liable for any financial decisions made based on its results.
Insurance To Help You Prepare for the Unexpected
Payment Protection
Credit Disability
- Protects you if a disability occurs that prevents you from continuing employment.
- Covers your loan installment at a time when income is low and expenses are high.
Credit Life
- Protects members in the event of death.
- Your loan transaction is completed, your debt is paid, and your collateral is released.
Payments vary based on the term and amount of the loan.
Apply for or Refinance a Vehicle Loan
Disclosures
-
*Actual savings may vary based on vehicle purchased, dealer and location.
**A participation fee has been paid by the dealers. All new cars arranged for sale are subject to availability and a price pre-arranged with participating franchised new car dealer.