Vehicle Loans

Whether you’re purchasing your first vehicle or your dream car, it’s important to know everything you’ll need to bring to the dealership. When applying for an auto loan, there are several documents and information you will typically need to provide. While specific requirements can vary, there are several common items you will likely need to apply for an auto loan with UMCU, such as:

• Personal Information - You will need to provide basic personal details, such as your full name, date of birth, social security number, and contact information.
• Identification - A valid government-issued identification document is typically required, such as a driver's license or passport.
• Proof of Income - Lenders want to ensure that you have a stable source of income to repay the loan. You may need to provide recent pay stubs, W-2 forms, or income tax returns. If you are self-employed, additional documentation such as bank statements or profit/loss statements may be required.
• Employment Details - You will need to provide information about your current employment, including your employer's name, address, and contact information.
• Financial Information - Lenders may ask for details about your current financial situation, including your monthly housing expenses and any other outstanding debts, such as credit card payments or student loans.
• Insurance Information - Proof of insurance coverage is typically required before finalizing the loan. You may need to provide insurance details, including the insurance company's name and contact information.
• Down Payment - If you plan to make a down payment, you will need to disclose the amount and its source (such as savings, trade-in value, or cash).
• Credit History - Lenders will generally check your credit history and credit score. While you don't need to provide this information directly, they will obtain it during the loan application process.

You bet! Applying for a motorcycle loan with UMCU is a breeze! The process is almost identical to applying for a vehicle loan. We get you pre-approved for free so you can shop with confidence knowing how much bike you can afford!

Already know what your next ride will be? Perfect! Let us know during the pre-approval process!

Absolutely! Applying for a boat loan with UMCU is a breeze! The process is almost identical to applying for a vehicle loan. We get you pre-approved for free so you can shop with confidence knowing how much boat you can afford!

Already know what your next vessel will be? Perfect! Let us know during the pre-approval process!

UMCU's lending cap for motor homes is $350,000.

Enjoy the Great Outdoors with an RV Loan from UMCU

Whether you're dreaming of embarking on a cross-country road trip in a motorhome, exploring off-road trails on an ATV, or cruising the waterways on a jet ski, UMCU has the perfect RV loan for you.

Our easy and fast application process makes it simple to finance your next adventure. Enjoy:

• Flexible loan terms to fit your budget
• Competitive rates* to save you money
• No prepayment penalties
• Automatic payment options for hassle-free payments

To apply for a motorcycle loan, we just need to know two thing: your income, and any other debt you may have.

To apply for a boat loan, we just need to know two thing: your income, and any other debt you may have.

We can process the loan for the max amount of 350,000, but the member would be responsible for any balance over $350k. For example: if you wish to purchase a motor home for $400,000, UMCU would finance $350,00 and the remaining $50,000 would have to be paid for up front.

Nope! If you have one, that's great - but it's not required.

Nope! If you have one, that's great - but it's not required.

Give us a call at 800-968-8628, apply online through the Online Banking portal, or stop by one of our branch locations!

Unfortunately, the Graduation Loan special rate only applies to traditional vehicle loans. However, the special Graduation Loan rate is good up to one year after the date of your graduation! So if you decide to purchase a car, van, or truck instead of a motorcycle, you can still take advantage of that special rate!

Unfortunately, the Graduation Loan special rate only applies to traditional vehicle loans. However, the special Graduation Loan rate is good up to one year after the date of your graduation! So if you decide to purchase a car, van, or truck instead of a boat, you can still take advantage of that special rate!

The first thing you'll do is research your motorhome and compare rates - you'll be amazed by how much you'll save with UMCU! Plus, we have the same rates for new and used motorhomes! After you've found a make and model to your liking, give us a call, visit a branch, or apply online through the Online Banking portal. The application process is easy - you'll be on your way to the dealership to get your new RV in no time!

All kinds! And they don't have to be brand new - UMCU is pleased to offer the same rate on new or used motorcycles. Whether you're looking for something fast and sporty or a touring bike for cross-country trips, you've come to the right place.