Love Your Auto Loan

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Did you know UICCU is one of the top auto lenders in Iowa? (source: Experian Auto Count Report 2018) That’s because we offer low cost auto loans for both new and used cars that make sense for you. We have great rates and terms up to 84 months. Pick the term that works best for your budget: longer with a lower monthly payment or shorter to pay off the loan quicker (with no prepayment penalties). Your first payment won’t be due for up to 90 days*, and you’ll have peace-of-mind knowing that your loan will stay with us and won’t be sold. For more benefits, review the list below.

  • Great rates
  • Flexible terms up to 84 Months
  • Local underwriting & all loans stay with UICCU
  • Up to 90 days until your first payment is due*
  • No penalties for paying off your loan quicker
  • Discounted insurance coverage through UICCU Insurance
  • The option to defer up to two payments a year**
  • PayBreak Debt Protection ***

If you’re shopping for a new car, give us a call or stop by a branch to get prequalified. Already have your next car picked out? Click here to apply online.

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.

Skip A Payment Request Form


UICCU Insurance Logo

At UICCU, we also offer insurance products through our wholly owned subsidiary, UICCU Insurance. The professionals at UICCU Insurance will shop multiple carriers to find you the best value for your auto, home, life or business. Click here to request a free, no obligation quote.

Did you know? Certain insurance providers offer additional discounts just for being a credit union member.

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. 2009 or newer model vehicles only. This is a limited time offer subject to credit approval. Minimum rates apply.

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
  • Disability
  • Involuntary unemployment

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

* Subject to creditworthiness. Interest will accrue until the first payment is made.

** Subject to approval.

*** 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.