Vehicle Loans
Rates as low as
3.99%
APR*
Adventure Awaits—Drive, Ride, or Cruise with Confidence!
Finance your next adventure with Unison Credit Union.
No matter if it’s brand new or just new to you, Unison Credit Union is here to help you hit the road with confidence. Our fast, locally serviced vehicle loans make it easy to finance your next car, truck, motorcycle, or even recreational vehicle like an RV, boat, or snowmobile.
With competitive rates, affordable monthly payments, and expert guidance, we’re committed to finding the perfect loan to fit your lifestyle. Let Unison Credit Union help you drive off in the vehicle of your dreams—because your journey starts here!
Why Unison for your vehicle loan?
Our low rates and flexible payment terms help keep monthly payments affordable, while our quick loan approvals get you on the road, water, or trails in no time. Whether you need a reliable car for work, an RV for adventure, a boat for summer fun, or a snowmobile or UTV to conquer the trails, Unison Credit Union has you covered. No matter how you choose to ride, drive, or explore, you’ll see that saving money always comes standard with Unison.
Fully loaded with features you’ll love
- Bi-weekly payment options
- Online banking
- 100% financing
- Automatic payment options
- No pre-payment penalty
- Member Advisors who guide you through the process
Empowering Your Financial Journey!
Guaranteed Asset Protection (GAP)
Protect Your Finances When the Unexpected Happens
If your vehicle is totaled or stolen, your insurance payout might not cover the full amount you owe on your loan. GAP coverage helps bridge that gap—reducing or even eliminating the remaining balance, up to 125%. With no separate payments and a low cost that can be rolled into your loan, GAP provides peace of mind, ensuring you're not left paying for a vehicle you no longer have. Protect your investment and your wallet with GAP from Unison Credit Union.
Debt Protection
Security When You Need It Most
Life is full of surprises, and sometimes, those surprises can put a strain on your finances. Our Debt Protection plan provides peace of mind by helping ease the burden of your loan payments in times of unexpected events. Whether you face illness, job loss, or other hardships, you can rest easy knowing your loan balance is protected, and your credit remains intact. Explore how our Debt Protection can safeguard your financial well-being through life's unpredictable moments.
Mechanical Repair Coverage (MRC)
Comprehensive Protection for Your Vehicle
Don’t let unexpected repairs take you by surprise. With our Mechanical Repair Coverage (MRC), you can drive with peace of mind knowing that you’re covered when the unexpected happens. As your vehicle ages, repair costs can add up quickly. Our coverage helps limit those costly repairs, potentially saving you thousands. From nationwide coverage for mechanical breakdowns to 24/7 roadside assistance, we offer a range of protection plan options to keep you on the road without worry.
Check out our online auto-buying resource
Get pre-approved before you shop!
You can search the inventory of local dealerships all in one place - calculate your car loan payment, get pre-approved and contact the dealership when you’re ready to take a test drive.
View Current Rates
Effective Date:Auto Loans
| Age of Vehicle | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| New - 2016 | 84 Months† | 5.99% APR | $14.61 |
| 2015 & Older | 36 Months | 6.99% APR | $30.89 |
| 2015 & Older | 48 Months | 7.49% APR | $24.19 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Boat Loans
| Age of Boat | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| 2015 & Older | 36 Months† | 6.99% APR | $30.89 |
| 2015 & Older | 48 Months | 7.49% APR | $24.19 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Motorcycle Loans
| Age of Motorcycle | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| New - 2016 | 84 Months† | 5.99% APR | $14.61 |
| 2015 & Older | 36 Months | 6.99% APR | $30.89 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
ATV Loans
| Age of ATV | Maximum Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| New - 2016 | 36 Months | 3.99% APR** | $29.53 |
| New - 2016 | 48 Months | 3.99% APR** | $22.59 |
| New - 2016 | 60 Months | 3.99% APR** | $18.42 |
| New - 2016 | 72 Months† | 3.99% APR** | $15.65 |
| 2015 & Older | 36 Months | 6.99% APR | $30.89 |
| 2015 & Older | 48 Months | 7.49% APR | $24.19 |
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice. **As low as 3.99% rate requires a minimum of $10,000 taken out in new money (a new $10,000 loan, or a refinanced loan with an additional $10,000 added to it). Membership eligibility required, NCUA insured.
†72M term requires $20,000 minimum loan amount and 84M term requires $30,000 minimum loan amount.
Recreational Vehicle Loans
| Maximum Term | Rates As Low As* | Payments per $1,000 |
|---|---|---|
| 120 Months1 | 7.99% APR | $12.13 |
| 60 Month Balloon2 | 6.99% APR | $8.99 |
*APR = Annual Percentage Rate. Annual percentage rates subject to change. Your credit score determines your actual rate. All loans must be fully secured.
1Vehicle value must be at least $20,000.
2Vehicle value must be at least $25,000. A $25,000 loan, amortized over 180 months, would yield 59 payments of $224.60 and a balloon payment of $19,575.13.
Empowering Every Chapter of Life!
Where Convenience Meets Confidence.
Unlock Your Home's Potential
Discover the power of your home’s value with our Home Equity Line of Credit (HELOC). Open the door to money-saving opportunities to make home improvements, consolidate debt, purchase a vehicle or pay for college tuition.
Secure Your Health & Finances
Have a high-deductible health plan? Open a Health Savings Account (HSA) with Unison for tax-free savings on medical expenses. Simple, user-friendly, and stress-free!
*”As low as” APR rate is best available for select terms. Actual approval rate determined by credit score, model year, term and underwriting. Other rates and terms available. Rates subject to change without notice.