EMUCU Auto Loan Promo graphics with 4.5%APR%



 
Male leaning on white vehicle

Why Choose UMCU for Your Auto Loan?

Our rates starting as low as 4.5% APR* and ZERO payments for 6 months is designed to help achieve your dream car, stress-free, with service that puts you first.
 

No Payments for 6 Months

Start stress-free and don't worry about a payment for a while!

Rates Starting at 4.5% APR*

Incredible financing that keeps your budget in check.

Easy Online Application

Apply in minutes and loan funds quickly.

Personalized Service

We are here for your financial needs every step of the way.



ZERO Payments for Six Month FAQs


 
Yes, interest will still accrue on the loan.
Yes! To qualify, your vehicle must have been financed at another financial institution from January 2025 to the present.
The starting APR of 4.5% applies to well-qualified buyers. For more detailed information, please call 800-968-8628 or visit the nearest branch.
While we can’t give an exact timeframe, our lending team does their best to approve your application as quickly as possible.
*The offer begins 4/21/25 for accounts in good standing. If a deferral is set up during the loan process, principal or interest payments are not required for 180 days from the loan funding date. Interest will accrue during the deferred payment period. The offer is not valid for internal refinances on existing EMUCU loans. Loans with a deferred first payment of more than 90 days are not eligible for GAP coverage. Offer subject to credit approval. Rates vary based on credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

**Must be new loan to EMUCU or refinance of loan from another financial institution. For refinances from another financial institution to qualify, vehicle must have been purchased January 2025 or after.