Vehicle Loans

Get Started Child plays with a toy car.

Financial Freedom on and off the Road

Whether you’re shopping for a new or used vehicle to purchase or just looking to get pre-approved, we offer budget-friendly financing! Already have the vehicle you love but wish you had lower payments? No problem! Our fast, online refinancing can help you save. Find out how we help our members across the country with their vehicle lending needs!

Featured Rates

New Vehicle

Rates as Low as
5.22
%
APR * 48 mo.

Used Vehicle

Rates as Low as
5.22
%
APR * 36 mo.

Boat & RV

Rates as Low as
6.22
%
APR * 48 mo.

Powersport

Rates as Low as
10.18
%
APR * 36 mo.

View All Current Rates

Choose Your Own Adventure

New & Used Vehicles


Enjoy a low, fixed rate and wide range of terms from Dane County's #1 used vehicle lender1. We’ve partnered with auto dealers across Wisconsin to provide fast, convenient lending.

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Refinance


Lower your rate and reduce your monthly payment by refinancing your vehicle loan from another lender! Members often save over $3,057 over the life of their loan2.


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Recreational Vehicles


Have your eye on an RV, boat, ATV, snowmobile or other recreational vehicle? Kick-start your adventure with an affordable, fixed-rate loan with no hidden extra fees.


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Ready to Apply?

Get Started

Why UWCU?

It’s Easy

Just mention you want your loan through UW Credit Union at most major dealerships or get preapproved before you shop.

It’s Fast

Get approved in minutes.

Get a Great Rate

Our competitive rates reward your strong payment history.

Refinance & Save

Members typically save an average of $3,057 over the lives of their loans when they refinance2.

Purchase or Refinance Made Easy

  • 1Apply Online & Get Preapproved
    Complete the application online, at a branch or by calling 800.533.6773.
  • 2Research & Negotiate
    You may already have your vehicle picked out, but if not, visit our Auto Research Center for car inventory, tips and vehicle valuation guides.
  • 3Finalize Your Financing
    Complete your purchase at the dealership or if you’re refinancing your vehicle, we’ll finalize your loan online using DocuSign.

Shop With Confidence

Take Control with Preapproval

Get preapproved for your new or used auto loan before you go to the dealership and put more bargaining power in your hands.

Find your rate online and understand your budget without impacting your credit score.

Get Preapproved

Support Tailored to You

We can help you feel confident that you made the best decision for your budget.

Our local lending experts will discuss your unique needs, answer all your questions and go over your options in detail to help you find the right loan.

Meet With Us

Vehicle Loan Resources

Credit Consultation

Schedule a free one-on-one appointment with a financial specialist, even if you aren't a member. Whether you're considering refinancing your current vehicle or purchasing a new one, our experts can help you understand the benefits and potential savings of each option. Let us help find the best solution for your financial needs.

Schedule Now

Frequently Asked Questions3


What information do I need to apply for an auto loan?
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Can I apply for a loan even if I don't have the exact vehicle I want picked out yet?
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How long is my application good for?
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Can I get a vehicle loan with bad credit, or no credit at all?
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What factors determine the interest rate on a vehicle loan?
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Are UW Credit Union Vehicle Loans only available for Wisconsin residents?
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Get in Touch

You need to feel confident that you picked the best option for your vehicle loan. Our local experts are here to answer your questions and get you on to your next adventure.


ITIN Lending - UWCU is proud to accept ITIN for vehicle loan applications. 

Hear From Our Members

Jasmine member story | UW Credit Union

Jasmine

Member Story

In a relationship that began with an unexpected lower interest rate, Jasmine quickly felt supported at UW Credit Union.

Read More

Testimonials


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