Auto Loans

Competitive Rates

Our vehicle loan rates have flexible terms, with repayment plans suited to your lifestyle. Whether you’re browsing cars and trucks for sale or need a recreational vehicle, our honest and local vehicle loans keep things affordable.

New Auto APR Rates as Low as 3.25%

Used Auto APR Rates as Low as 3.75%

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Preferred Dealerships

Get Pre-Qualified Before You Shop

You can save time at the dealership by getting pre-approved for a loan before you go. Pre-approval helps you know your budget and strengthens your buying power. Use our online loan calculators to estimate your monthly payments to shop smarter and avoid surprises. One of our loan experts will explain your options and help you make the best decision for your budget. There are no application fees, and we make it simple from start to finish.

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Vehicle Loans for All Types of Rides

If you’re shopping for a new or pre-owned vehicle, U.P. State Credit Union offers competitive vehicle loans in the Upper Peninsula of Michigan. Our experienced team lives and works here, so we know the kinds of vehicles that fit lifestyles in the U.P. Whether you’re searching for a fuel-efficient ride for your daily commute or a rugged SUV for the winter, we’ve got you covered. Apply for a vehicle loan today and drive away with confidence.

Auto Loans Calculator

Easy Financing Through Local Dealers

We work directly with several trusted dealerships throughout the U.P. As a result, when you buy from a participating dealer, they can process your loan directly with us. That means fewer steps and faster financing. Indirect lending saves time, and you still enjoy all the benefits of working with your local credit union. Ask your dealer if they work with U.P. State Credit Union, or give us a call, and we’ll point you in the right direction.

Preferred Dealerships

Ready to start shopping for your next car? UPSCU has partnered with dealerships in Michigan to offer you convenient, flexible UPSCU loans at a dealer near you. It’s like having UPSCU at the dealership! Start your car-buying journey online with these dealerships to enjoy a secure financing experience and get you on the road in no time.

The links below go directly to dealer websites. UPSCU is not responsible for the information on those websites.

Team Chevrolet - Manistique
https://www.teamchevyauto.com/

Team Automotive Sales & Service - Escanaba
https://www.teamautosalesandservice.com/

Hansen Automotive and Storage - Escanaba
https://www.hansenautomotive.net/

Riverside Ford - Escanaba
https://www.riversidefordescanaba.com/

Riverside Toyota of Escanaba - Escanaba
https://www.riversidetoyotaescanaba.com/

Riverside Chevrolet & GMC - Escanaba
https://www.escanabachevy.com/

Riverside Chrysler of Escanaba - Escanaba
https://www.escanabadodge.com/

Race-Driven Powersports - Escanaba
https://www.racedrivenpowersports.com/

Era Chevrolet, INC. - Norway
https://www.erachevy.com/

Redline Sport & Marine - Norway
https://www.redlinesportandmarine.com/

Town and Country Ford - Quinnesec
https://www.towncountrysales.com/