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Auto Loans

Finding the best option for your needs

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Purchase

Refinance & Transfer

Branded Title

Loan Payment Protections

Holiday Skip-a-Pay

Online & Mobile Banking

Additional Features

Loan Flex Program

Vehicle Loan Instructions

Purchase

New & used vehicles

  • Terms up to 84 months
  • Competitive Rates for our Members
  • Same rates for new or used vehicles with a model year of 2018 or newer
  • Vehicles model year 2017 and older, add 1% to rate
  • GoldStar® Member Rate Discounts
  • No pre-payment penalty for paying the loan off early
  • Rates are subject to approval based on credit score tier and loan-to-value percentage
  • 6-month extended term if an optional Loan Payment Protection is added
Apply for an Auto Loan

Refinance & Transfer

Take advantage of our transfer special offer

  • Transfer special offer of 1% lower rate or pay you 1% cash (up to $250)
  • Terms up to 84 months
  • Same rates for new or used vehicles
  • GoldStar® Member Auto Loan Rate Discounts
  • No pre-payment penalty for paying the loan off early
  • 6-month extended term if an optional Loan Payment Protection is added
Apply for an Auto Loan

Branded Title

For vehicles that were once declared a total loss

  • Terms up to 72 months
  • Same rates for new or used vehicles with a model year of 2018 or newer
  • For vehicles model year 2017 and older, add 1% to rate
  • GoldStar® Member Rate Discounts
  • No pre-payment penalty for paying the loan off early
  • Rates are subject to approval based on credit score tier and loan-to-value percentage
  • 6-month extended term if Debt Protection is added (GAP & MBP is not allowed)
Apply for an Auto Loan

Loan Payment Protections

Optional protections for your auto loan

6-month extended term if an optional Loan Payment Protection is added:

  • Debt Protection (DP) for life, involuntary unemployment, or disability
  • Guaranteed Asset Protection (GAP) if car is totaled
  • Mechanical Breakdown Protection (MBP) extended warranty
Loan Payment Protections

Holiday Skip-a-Pay

Option to skip a monthly payment

  • Holiday Skip-a-Pay allows you to skip a payment in November, December, or January
  • Must submit application form to select which loan payment(s)* you want to skip
  • $25 processing fee will be added to the balance of the loan
  • All processing fees will be donated to the American United
  • Charitable Foundation to support Veterans, Underserved, and Tribal communities

*Interest still accrues and your loan balance doesn’t change. “Skip-a-Pay” does not apply to credit card, real estate, business loans, overdraft loans, or delinquent loans. Members with Guaranteed Asset Protection (GAP) on auto loans are only allowed to “skip” 2 payments or have 2 delinquencies throughout the term of the loan. Other qualifications and restrictions may apply.

Online & Mobile Banking

Banking whenever, wherever

  • Mobile App
  • E-Statements
  • Automatic Bill Pay
  • Money Desktop Tools
  • Mobile Deposit
  • Zelle® Payments
Online & Mobile Banking

Additional Features

Even more that comes standard

  • Monthly Statements
  • Free account access at CO-OP Shared Branches
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
  • All credit scores are welcome to apply
  • End-of-Year Member Reward Dividend
  • Loan pre-approval is available
Contact Us

Loan Flex Program

Pre-qualified offers to extend your term or take cash out

  • Offers will be extended to you automatically if you qualify
  • Allows members the ability to lower their auto loan payments by extending the loan term
  • Members may also elect to take additional cash out on the loan up to the maximum available to them
  • This is NOT considered a new loan, it is offered on existing auto loans to modify the loan with no additional fees or refinance processes
  • Some requirements include loan must be greater than 12 months old, the loan must be current, & auto must be less than 10 years old
Enter Loan Flex Code

Vehicle Loan Instructions

View our 1-pager with detailed instructions

  • Important things to note once you have an auto loan with us
  • Instructions for loans secured by autos and recreational vehicles
  • How is collateral identified?
  • Title perfection and other instructions
  • Loan payoff
  • Titling and lien recording guide
Vehicle Loan Instructions

If you haven't heard of American United Credit Union before, I hadn't either before my first auto loan with them. I was told they have excellent rates and flexible options, especially for those of us with less than perfect credit. I've since made them my primary financial institution and do all of my banking there because they aren't too big to listen and will always do what they can to help.

American United FCU Member

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Auto Loan Rates

Rates up to date as of July 3, 2024. Rates subject to change without notice.

By Model Year & Loan Type60-month APR72-month APR84-month APR
2018 & Newer1As low as 5.99%3 As low as 6.24%3 As low as 6.99%3
2017 & Older1As low as 6.99%3 As low as 7.24%3As low as 7.99%3
2018 & Newer (Branded/Rebuilt Title)2As low as 6.49%3As low as 6.99%3
2017 & Older (Branded/Rebuilt Title)2As low as 7.49%3As low as 7.99%3

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan terms can be extended up to 6 months for adding Debt Protection, Guaranteed Asset Protection (GAP), or Mechanical Breakdown coverages.
2. Not eligible for Guaranteed Asset Protection (GAP) coverage. Unable to extend loan terms for adding Debt Protection or Mechanical Breakdown coverages.
3. GoldStar® Membership required, otherwise rate is 0.25% APR higher.

Understanding Auto Loans

Auto Loans in Utah

At American United Federal Credit Union, we try to make the process of getting a car easier and more convenient for you and your family. We are more than happy to help you get the best car loan.

Auto loans can help you finance the purchase of a vehicle, but it’s crucial to understand how they work and the factors that can affect your loan’s cost. This guide provides essential information about auto loans to help you make informed decisions and find the best option for your needs.

Throughout this process, we encourage our clients to take the time to learn a little more about these loans and the application process involved. Having all the right information upfront can help get you the best auto loan rates and ensure you’re getting the best loan option for you.

Competitive Auto Loan Rates

Working with American United Federal Credit Union to obtain an auto loan is always better than applying at a bank. American United Federal Credit Union works for you rather than the other way around.

We have lower rates than the average bank, so you can be sure that you made the best financial decision when you work with us. We are also more flexible with existing credit issues, often allowing you to get the car you want even if your credit isn’t perfect.

Learn more about what a top-tier credit union has to offer you and get the vehicle you’ve had your eye on by contacting American United Federal Credit Union. Begin an online application and get your car loan today. We are ready to help you get the car you want.

Financing a New or Used Vehicle
This process involves a thorough check of your creditworthiness, applications, gathering details and generally ensuring you and your lenders both have all the information needed. Across the board, the process of financing a vehicle is a standard one:
 
  • Check your own credit score
  • Pick your payment according to your monthly income
  • Get pre-approved for the amount you’ve chosen
  • Find a vehicle that fits in your payment parameters
  • Finalize and submit your paperwork
  • Start making regular payments
This six-step undertaking is designed to get you into your car as soon as possible without overburdening your budget. At American United Federal Credit Union, we go through this six-step process so we can make sure we are making the best choices for our clients and members.
Auto Loan Refinance
Have you recently experienced increases in your financial stability, a higher credit score or difficult financial circumstances? These changes all mark moments appropriate for auto loan refinancing. On the other hand, if your loan is nearly paid in full, refinancing may not currently be the best option. American United Federal Credit Union can help guide you through this process, helping you with lower fees and guiding you to your best loan option.
Influencing Factors
There is a wide range of factors that can have an influence over someone’s eligibility for a vehicle loan. It is always important to bear these factors in mind:
 
  • Your credit score
  • Your debt-to-income ratio
  • How long your loan will last
  • Age of the vehicle you’re aiming to buy
  • Down payment offered
  • Economic details (such as inflation)
We help you make a decision according to the results we obtain, so we can make the process easier, more convenient, and more practical for you. At American United Federal Credit Union, we always work to find a solution that works for you, even if your credit situation is less than perfect.

Upgrade to Goldstar® membership

  • Loan Rate Discounts on Vehicle & Personal Loans
  • Higher Monthly Dividend Rates on Balances $500+
  • Higher Dividend Rates on Savings & Certificate Accounts
  • Access to No Cost Identity Theft Protection
  • Free or discounted services & additional rewards
GOLDSTAR® MEMBERSHIP