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AUTO LOANS

Finance a new or used vehicle with local decisions and competitive rates.

APPLY FOR PRE-APPROVAL →

READY TO FINANCE YOUR NEXT VEHICLE?

Start online today, or talk with a local UPSCU loan expert about the option that fits your budget.

APPLY FOR AN AUTO LOAN →

COMPETITIVE RATES

SHOP WITH CONFIDENCE

Our vehicle loans feature competitive rates and various terms to fit your lifestyle. Whether you're shopping for a car, truck, or SUV, you'll receive personalized service from a local team you can depend on.

New Auto

As low as

3.50%^* APR^**

Competitive financing with flexible terms and local decisions.

Used Auto

As low as

4.00%^* APR^**

Flexible financing for a pre-owned car, truck, or SUV.

^*Subject to credit approval; all may not qualify. Rates and terms may vary depending on individual credit history and underwriting factors; market conditions or other business factors; all loan programs, rates, terms, and conditions subject to change at any time without notice.

^**APR = Annual Percentage Rate: The rate of interest charged on borrowing expressed as a yearly rate. APR is calculated by taking into account additional costs such as processing or closing fees in addition to the interest rate.

Plan your monthly payment

Explore an estimated payment before you apply.

Loan Amount ($)Annual Percentage Rate (%)Term (Months)

ESTIMATED MONTHLY PAYMENT

For illustration only. This is not a loan offer. The example rate is not a current UPSCU rate. Results exclude taxes, insurance, and fees. Actual terms depend on approval.

APPLY FOR AN AUTO LOAN →

PREFERRED DEALERSHIPS ↓

BEFORE YOU SHOP

Apply for pre-approval before you visit the dealership

Save time at the dealership by applying for pre-approval. A completed application lets UPSCU review your request and discuss available options before you shop. Approval is not guaranteed and is subject to creditworthiness and applicable terms.

Estimate the payment

Use the online auto loan calculator to understand what fits comfortably in your monthly budget.

Apply for pre-approval

Share the basic loan information with UPSCU. There are no application fees.

Shop with confidence

Know your budget and work with a local loan expert who can explain your options.

APPLY FOR PRE-APPROVAL →

AUTO LOANS CALCULATOR ↑

VEHICLE LOANS FOR ALL TYPES OF RIDES

READY FOR WHATEVER THE ROAD BRINGS

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!

From the daily commute to the first heavy snowfall.

CAR

Efficient for every day

TRUCK

Capability for work and weekends

SUV

Confidence for every season

EASY FINANCING THROUGH LOCAL DEALERS

FINANCING THAT MEETS YOU AT THE DEALERSHIP

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.

01

AT THE DEALER

Participating dealers can process your UPSCU loan directly.

02

FEWER STEPS

Move from selecting a vehicle to financing with less back-and-forth.

03

STILL LOCAL

Keep the service and benefits of your local credit union.

PREFERRED DEALERSHIPS

PREFERRED DEALERS, ORGANIZED BY REGION.

Browse participating dealerships from across the U.P. Use the regional guide, then swipe or scroll through the dealer cards. Each card links to the dealership’s website.

Choose a region