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Auto Loans

Getting pre-approved is the best way to determine how much car or truck you can afford, based on your debt to income ratio, credit score and payment preferences. Don’t wait until you get to the auto dealership to think about those financial essentials. Whether you’re looking for a new, used or hard-to-find dream car, we can help!

Our easy loan application process is just the beginning. Our loans feature:

  • Low loan rates
  • Flexible loan terms which YOU decide (currently 36 to 84* months)
  • Convenient payment options with Automatic Transfers, Payroll Deduction, or Electronic Funds Transfers from other Financial Institutions.
  • No prepayment penalties
  • Rate Match Program (ask for details)
  • Peace of mind protection with Credit Life and Disability Insurance available.
  • You may also be interested in Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC).
  • Pre-approval of your loan application is a valuable bargaining tool when negotiating with dealerships.

Apply today and get pre-approved, then you can get going on your purchase!

Recreational Vehicles

When it’s time to invest in a new or used motorcycle, RV, ATV, boat, or snowmobile, we want to help. We’ll take care of the financing so you can concentrate on the fun times your recreational vehicle will bring.

  • Low loan rates
  • Flexible loan terms which YOU decide (currently up to 84* months)
  • Flexible Term Motor Home Loan, 5 year balloon amortized at 120 months.
  • Convenient payment options with Automatic Transfers, Payroll Deduction, or Electronic Funds Transfers from other Financial Institutions
  • No prepayment penalties
  • Peace of mind protection with Credit Life and Disability Insurance available
  • You may also be interested in Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC).
  • Pre-approval of your loan application is a valuable bargaining tool when negotiating with dealerships.

Apply today and get pre-approved, then you can get going on your purchase!

Used Vehicle Refinancing

If you have a vehicle loan at another financial institution, you may want to consider refinancing. Learn new ways you can save today! At UMCCU, chances are we can save you money. Use our convenient online loan calculator below to estimate your monthly payment with the Credit Union and compare that to what you're currently paying!

Compare your loan to Upper Michigan Community Credit Union's rate and SAVE BIG!

* Some restrictions may apply

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