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Vehicle Loans

Where will life take you?  And how do you want to get there? UNIFY’s wide range of vehicle loans can get you there in style.

  • Auto Loans

    Get going. Like most trips, a little planning can help. Navigate your car-buying decision with a UNIFY loan. Whether it is for a new or used auto, our low competitive rates can help you close the deal before you get behind the wheel. Get pre-approved today!

    • Get up to 100% financing1, terms up to 8 years
    • Enjoy low fixed rates for new, used and refinanced cars
    • Pay no annual or prepayment fees

    Apply Now

  • Motorcycle Loans

    Go hog-wild with a UNIFY loan for new motorcycles.

    • Get up to 100% financing1, terms up to 6 years
    • Enjoy low fixed rates for new motorcycles
    • Pay no annual or prepayment fees

    Apply Now

  • Boat Loan

    Sail away with a UNIFY low rate boat loan.

    Apply Now

  • RV Loan

    Get ready to explore your options with a UNIFY RV Loan.

    Apply Now

  • Airplane Loan

    Forecast says clear skies with our competitive rates. 

    Apply Now

  • ATV/Power Sport Loans

    Play hard, save hard with these loan options. 

    • Available for snowmobiles, personal watercraft, ATV, UTV, Dirt Bikes and Compact Utility Tractors5
    • Get up to 80% financing4, terms up to 6 years
    • Enjoy low fixed rates for new, used & refinanced
    • Take advantage of a .25% rate discount2
    • Pay no annual or prepayment fees
    • No origination or repayment fees
    • Payment Examples

    Apply Now

1100% financing on new vehicles is based on 100% of MSRP, or purchase price, whichever is less, plus sales tax, license and extended warranty. 100% financing on used vehicles is based on up to 100% of the Kelley Blue Book retail value (or alternative valuation method if Kelley Blue Book is unavailable), or purchase price, whichever is less, plus sales tax, license and extended warranty. See Rates for available terms, APRs, estimated payments and disclosures. All loans subject to change without notice. All loans subject to credit approval. Qualification for credit is based on membership eligibility, borrower’s credit history, debt-to-income ratio, employment history, the ability to repay, collateral value, and other factors. Mileage limitations, title, taxes, and state fees may apply. Other restrictions and conditions may apply. UNIFY Financial Credit Union is an equal opportunity lender.

2Available rate discounts include: .05% if Premier or eChecking Account is maintained during term of the loan; .05% if loan payment is automatically transferred from a UNIFY Savings or Checking Account for entire term of the loan; .15% for a recurring Direct Deposit of $400 or more per month to a UNIFY Savings or Checking Account during the term of the loan. Maximum total rate discount for any qualified loan is .25% and may not be combined with any other loan rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details.

3100% financing on new aircraft is based on 100% of MSRP, or purchase price, whichever is less, plus sales tax, license and extended warranty. 100% financing on used aircraft is based on 100% of appraised value (appraiser must be certified by the National Aircraft Appraiser Association) or purchase price plus sales tax, license and broker fees, whichever is less. See Rates for available terms, APRs, estimated payments and disclosures. All loans subject to change without notice. All loans subject to credit approval. Qualification for credit is based on membership eligibility, borrower’s credit history, debt-to-income ratio, employment history, the ability to repay, collateral value, and other factors. Mileage limitations, title, taxes, and state fees may apply. Other restrictions and conditions may apply. UNIFY Financial Credit Union is an equal opportunity lender.

480% financing on new vehicle is based on 80% of MSRP, or purchase price, whichever is less plus tax, license, trailer and GAP, not to exceed 90% all inclusive. 80% financing on used vehicle of the “HIGH (Average Retail)” value provided by NADA (or alternative estimation method if NADA is unavailable), or purchase price, whichever is less, plus tax, license, trailer and GAP, not to exceed 90% all-inclusive. Financing limited to select manufacturers. See Rates for available terms, APRs, estimated payments and disclosures. All loans subject to credit approval, some restrictions apply. Qualification for credit is based on membership eligibility, borrower’s credit history, debt-to-income ratio, employment history, the ability to repay, collateral value, and other factors. UNIFY Financial Credit Union is an equal opportunity lender.

5ATV/Power Sport products are available for dealer purchases or refinancing only. Snowmobile, Personal Watercraft (Jet Ski, Waverunner, and Sea-Doo), ATV/UTV (All Terrain/Utility Terrain Vehicle), and Compact Utility Tractors that have a published retail value are eligible for ATV/Power Sport financing.

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No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.