Vehicle Refinance

Tired of high payments and interest rates?

Let United Credit Union help! For a Limited Time, refinance your vehicle loan with UCU and you will:

Receive 1% Cash Back (Up to $400)*
May have No Payment for 90 Days
Receive a discount on your loan - up to 1% off your rate
Discounts may apply

Our Loan Promotion includes refinances on Cars, Trucks, SUVs, Campers, Motorcycles, Boats, ATV's and more!

It's easy to apply! One of our member service representatives will review your application and get back with you as soon as possible. If you have any questions in the mean time, feel free to call or stop by one of our locations. You can find us in Columbia, Mexico, Fulton, Vandalia, Moberly and Troy. We can be reached toll-free at 1-877-581-8651.

Get ready to start saving today!

*One percent cash back offer applies to refinance loans brought to United Credit Union from other financial institutions. Loan has to stay with UCU for 3 months and can be no more than 15 days delinquent at the end of those 3 months.

Want to have an idea what interest rate you might qualify for?? Check out this table:

Secured Loans
Effective Date: Saturday, December 21st, 2024
Autos, Boats, RVs, Motorcycles, Etc.
Credit Score	Grade	APR* as low as
740+	A+	5.90%
690 - 739	A	6.65%
650-689	B	7.50%
610-649	C	10.20%
580-609	D	15.50%
579 & Below	E	18.25%
Rates stated as Annual Percentage Rate. All rates are subject to credit approval and are determined by credit score. Rates subject to change.
Rates above include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 months. Longer terms available, please contact United for rate information. 1% will be added to the rate for non-titled vehicles such as ATVs/UTVs and equipment. Qualified borrowers may borrow up to and over 100% loan to value, rate may be adjusted.
Rates stated above are for 2024 and newer secured vehicle loans.