Vehicle Loans

Get Started Child plays with a toy car.

Make the financing process smooth with a partner you trust — UW Credit Union. We can even help you save by refinancing an existing loan. Discover why we’re Dane County’s #1 used auto lender!+

New Vehicle1

Rates as Low as
APR * 48 mo.

Used Vehicle2

Rates as Low as
APR * 36 mo.

Boat & RV3

Rates as Low as
APR * 48 mo.


Rates as Low as
APR * 36 mo.

Get the Loan You Want

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

Use this calculator to see if refinancing is right for you. Members typically save an average of $1,138 over the lives of their loans when they refinance.5

Beyond Cars & Trucks

We can help you finance your boat, RV, snowmobile, and more. Apply for a boat, RV or powersport loan.

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.

Find Your Next Vehicle

It’s no secret we make financing your next vehicle easy, but did you know we help make finding your next car even easier?  Use our interactive online tools to research the type of car you want, search available models, secure financing, and even order your vehicle online.

Auto Research Center - connect with the nation’s leading network of auto dealers to find your ideal car – new or used and secure your financing through us all in one easy-to-use place.

Carvana - looking for an alternative way to get your new vehicle? Start your search, buy it online and get it delivered.

Women smile after exploring UW Credit Union for a vehicle through Carvana.
Mechanic examining a car protected by UW Credit Union's vehicle repair coverage

Vehicle Repair Coverage

Reduce the risk of facing costly vehicle repairs. We offer protection that covers the cost of minor and major repairs to your vehicle should you need to fix anything.

Vehicle Repair Coverage6 offers tremendous peace of mind if you should ever face big repair bills for your vehicle.

Every plan comes standard with:

  • 24-Hour Emergency Roadside Assistance —Up to $100 per occurrence. This includes towing, battery/jump start, fluid delivery, flat tire assistance and lock-out service
  • Rental Reimbursement—Up to $50 per day up to a maximum of $250 per occurrence


  • You can select a deductible of $0, $50 and $100
  • The repair facility is paid directly, so you won't go through a reimbursement process
  • The coverage is transferable when you sell your car to a private purchaser (a transfer fee and other restrictions may apply)
  • Choice of any licensed repair facility
  • Sales tax, fluids, and diagnostic time authorized on covered failures
  • 60-day free look period
  • Travel Expense Reimbursement—Up to $125 per day for 1-3 days for lodging and food up to a maximum of $375 per occurrence, when a covered breakdown occurs over 100 miles from home
  • Paintless Dent Repair—Weather-related damage not included. Coverage limited to 5 events per contract. (Not available in Louisiana)
  • Windshield Repair—Repairs made to front windshield of minor chips and cracks caused by propelled rock or other road debris. Limit 5 repairs per contract. (Not available in Florida or Louisiana). Cracks limited to 6 inches or less

Learn more and add this service today.

Contact Us

Protect Your Investment

We offer products to help protect your investment in case something unexpected happens to you or your car.

Payment Protection

Consider this insurance if your family would have difficulty making monthly payments in the event of your death or disability.

Guaranteed Asset Protection Advantage (GAP Advantage)

The minute you drive away from the dealership, your new car depreciates. That means if your vehicle is stolen or damaged beyond repair, its cash value could be thousands less than what you still owe — and you’ll be stuck paying the difference. GAP Advantage7 helps cover the difference between the actual cash value that’s covered by insurance and the amount you owe on your loan.

  • If you have a GAP Advantage claim, we will provide you with a credit of up to $1,000 toward the financing of a replacement vehicle if you take out your loan with us.8
  • Includes Auto Deductible Reimbursement, up to $500 of your insurance deductible, in the event of a minor accident.
  • Can be purchased any time and is refundable if cancelled within the first 60 days.
Two children playing while washing a car that is protected by UW Credit Union's auto coverage

Add these coverage options when you apply for your loan or contact us with questions any time.

Get Started