In addition to our low rates, you get the friendly, knowledgeable service you expect from UT Federal Credit Union, along with some added benefits that make it easier to get started:

  • No application fee
  • Easy online application
  • Affordable payment options
  • No pre-payment penalties
  • Multiple funding options
  • Simple closing process

UTFCU offers Guaranteed Asset Protection (GAP) and Extended Warranties that can be factored into your car loan. We offer our members exclusive rates and features that can save you hundreds of dollars over the long run. Ask your UTFCU lender for more information about our loan protection options.

Easy Rider Check

At UTFCU you can get pre-approved for a purchase and we’ll send you shopping with a blank check- good for a value up to your pre-approval amount. It’s as good as cash! You’ll be contacted by a UTFCU lender after submitting your loan application. Ask them about this funding option.

Easy Rider vehicles may not be more than six calendar years old or have more than 100,000 miles. Reconstructed, Lemon or Salvage branded titles are not eligible for purchase with the Easy Rider Check.


Auto Loan Rates

Secured Loans
Effective Date: Monday, March 4th, 2024
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Secured loan – 48 months 7.74% $24.30
Secured loan – 60 months 7.74% $20.16
Secured loan – 66 months 7.74% $18.66
Secured loan – 78 months 7.74% $16.36
Secured loan – 84 months 7.74% $15.46
Secured loan – 96 months 8.24% $14.24
*APR = Annual Percentage Rate. Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply.
Cash Back Auto Loan Special: Earn up to 1.00% cash back, up to $500, with any auto loan refinance or direct auto loan. Rate and term may vary based on credit and other factors. Special applies to any direct automobile loan or automobile refinance. For refinances, any equity deficit in your current vehicle must be paid. Proof of full coverage insurance with $1,000 or less deductible must be provided at the time this loan is funded. Bankruptcies must be discharged. Minimum loan amount is $7,500. Loan must remain open for at least 90 days from loan funding to be eligible for cash back. 1% of the loan amount, up to $500.00, will be automatically deposited into the member’s UTFCU share account at the end of the calendar month following 90 days from loan funding. UTFCU membership is required and can be established during the refinance process. Existing UTFCU loans not eligible to refinance with this special. Offer may not be combined with other offers. Offer may end at any time.