Auto Loan Payment Calculator

At Utah Community Credit Union, we aim to make car purchases accessible to as many members as possible. To qualify for a car loan, you typically need a good credit score, stable income, and a satisfactory debt-to-income ratio. We also consider factors such as employment history and the price of the car you’re purchasing. Our goal is to work with you to find a solution that fits your financial situation and helps you drive away in your dream vehicle.

Our competitive car loan interest rates are designed to help you save money while financing your vehicle and lower your monthly loan payment plans. We aim to offer the lowest monthly loan payment rates available in the area. Rates may vary based on factors such as creditworthiness, loan amount interest rate, and the type of vehicle you’re financing. At UCCU, we offer an array of auto-loan options, allowing you to choose the best fit for your budget and financial goals.

UCCU offers flexible terms and transparent conditions. Our loan terms typically range from 60 to 84 months, giving you the option for longer terms and a monthly car payment that suits your budget. Plus, we don’t charge prepayment penalties, so you can pay off your loan early without any extra fees on your car loan payments. With UCCU, you’ll have peace of mind knowing exactly what to expect from your car loan agreement.

Applying for an auto loan is simple and straightforward. To get started, you’ll need to provide documentation such as proof of income, government-issued identification, and vehicle information including VIN and purchase price. Additionally, we may require documents related to auto insurance and registration. Our knowledgeable loan specialists are here to guide you through the process and ensure you have everything you need to complete your application accurately and efficiently.

You can apply for an auto loan online, over the phone, or in person at one of our branches. Once you submit your application and required documents, our team will review your information and reach out to discuss next steps. We strive to provide quick decisions and efficient processing, so you can get behind the wheel of your new vehicle sooner. Plus, with our handy tools, you can also estimate your monthly car loan payment. This includes sales tax and auto insurance, to ensure it fits comfortably within your budget.

Options to get pre-approved are also available so you can know how much you can afford before you go shopping to speed up the buying process.