Auto Loan

USU Credit Union offers low-interest auto loans with flexible terms and no origination fees or hidden costs.

Financing your auto loan is quick and easy, whether you're refinancing from another financial institution or purchasing a new or used vehicle. Receive the best rate regardless of the age of your vehicle.

  • Rates as low as 2.74% fixed APR
  • Available for both new and used vehicles
  • Onsite financing—ask the dealership for USU Credit Union financing
  • Terms up to 84 months
  • Quick approval process
  • No applications fees
  • eSignature - Sign loan documents from home*

Apply Now

Auto Loan Rates

**APR as low as

First-Time Auto Loan

Get the best possible financing with our first-time auto buyer program...even if you don’t have an established credit history. If you're using your new ride to get to classes, we’ll include everything that comes with our student checking package... absolutely free!

Digital signature icon

Online Signing

We understand that visiting a branch isn't always the most convenient way to get an auto loan. Close your loan online using eSignature - apply for a loan online or at a branch and sign the loan documents from home with a digital signature.*

Shield with a checkbox icon

Guaranteed Auto Protection

Guaranteed Auto Protection (GAP) protects you against financial loss in the event that your vehicle is damaged beyond repair ("totaled") or is stolen and never recovered.

Car with wrench icon

Mechanical Breakdown Protection

USU Credit Union offers Mechanical Breakdown Protection (MBP) on most auto loans to help members reduce costs on future vehicle repairs and associated costs.

Research Your Next Vehicle

We also provide a powerful online resource free to our members. Visit AUTOSMART for valuable information and research tools that can help you save time and money when purchasing your next vehicle.

*eSignature or Digital signature is available for current USU Credit Union members. Some loan products are not available for Digital Signature closings. Restrictions may apply.

**