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Low cost auto loans for both new and used cars are UICCU's specialty. In fact, UICCU is the #1 auto lender in Iowa (source: Experian Auto Count Report 2015). We offer a variety of terms to satisfy your budget. When you are ready to shop, we recommend to help you investigate your purchase.

  • Great rates
  • Flexible terms
  • Tax deductible interest options for homeowners (consult your tax advisor)
  • The option to defer up to two payments a year
  • PayBreak Debt Protection

Skip a payment

Need a little extra room in your budget? We can hold your secure low rate while you defer up to two payments each year. Click here to make your request .

Cash Back refinance

Do you have your auto loan with another financial institution? Try our Cash Back Auto Loan. Receive $100 cash back when you bring your auto loan to UICCU. We may be able to lower your rate and lower your payment. 2008 or newer model vehicles only. This is a limited time offer subject to credit approval. Minimum rates apply. 

Buying a Car? The AskAuto® app can help.

If you’re shopping for a vehicle, download the AskAuto app. You can compare vehicles you find on the dealer lot, get information on loans, and submit a loan application—all from your mobile device. Learn more and download the app today .  

Help play it safe with PayBreak Debt Protection.

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens.

Help play it safe with PayBreak Debt Protection*. PayBreak is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), PayBreak will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Call 800-397-3790 and ask about protecting your loans, today.

*Your purchase of PayBreak is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of PayBreak.

Get financing here or right at the dealership

If you would rather make your purchase and get financing all in one stop, you can ask for UICCU financing at any of these partner auto dealers.

UICCU is proud to partner with the following auto dealers. Members that want to take care of the vehicle purchase and financing all in one stop can do so at these dealers. The names and are listed below. Just ask for UICCU financing when visiting these locations, and thank you for shopping locally.


Grovert Motor Company



Community Auto Plaza

Community Motors Cedar Falls

Dan Deery Motors (Dodge)

Dan Deery Toyota

John Deery Motors

Witham Auto Centers - Cedar Falls

Witham Auto Centers - La Porte City

Witham Auto Centers - Waterloo


Jerry Roling Motors


Roling Ford


Thein Motors

West Branch Ford


Bird Chevrolet

Birdnow Chevrolet - Cascade


Birdnow Motor Trade


Billion Chevrolet

Billion GMC

Billion Honda

Carousel Motors

Carousel Nissan

Cooley Auto Sales

Coralville Lake Marina

Coralville Used Car Superstore

Deery Brothers Chrysler-Dodge-Ram-Jeep

Deery Brothers Ford

Hawkeye Harley-Davidson

Kelly's Auto Center

Krueger Auto, Inc

Toyota of Iowa City

Warehouse Auto


319 Motors

Budget Car Sales & Rental

Cassill Motors Inc

Cedar Rapids Toyota

Dave Wright Nissan

Fast Forward Cycles

Junge Center Point

Junge Lincoln Mercury Volvo

Ketelsen RV

Lynch Ford Chevrolet Inc

Marion Used Car Superstore

McGrath Power Sports

Metro Harley Davidson

Pat McGrath Chevyland

Pat McGrath Chrysler Jeep Dodge

Randy Kuehl Honda

Volkswagen of Cedar Rapids

Westdale Used Car Super Center

Zimmerman Ford, Inc

Zimmerman Houdek


Toyota of Muscatine 


Granger Motors

Lithia of Des Moines

Lithia MBDM


Wes Finch of Grinnell


Gretter Ford