Credit union · NCUA insured
UMe Credit Union Auto Loan Rates
UMe Credit Union auto loans start at 4.75% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How UMe Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where UMe Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
UMe Credit Union
4.75%APR
- Terms
- up to 60 months
- Discount
- None included
New Vehicle Loans - Cars, Trucks, and SUVs
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
UMe Credit Union auto loan score
83
Auto loan score
Higher than 61% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UMe Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
Whether chopper, scooter, or dirt bike. Loan approval, term, and rate are based on a verification of income and an evaluation of creditworthiness and collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.50% | Loan approval, term, and rate based on income verification, creditworthiness, and collateral. |
| up to 36 months | 6.75% | Loan approval, term, and rate based on income verification, creditworthiness, and collateral. |
| up to 48 months | 7.00% | Loan approval, term, and rate based on income verification, creditworthiness, and collateral. |
| up to 60 months | 7.25% | Loan approval, term, and rate based on income verification, creditworthiness, and collateral. |
| up to 72 months | 7.50% | Loan approval, term, and rate based on income verification, creditworthiness, and collateral. |
| up to 84 months | 7.75% | Loan approval, term, and rate based on income verification, creditworthiness, and collateral. |
Sources (1)
- umecreditunion.com/borrow-insu…vehicle-loans/motorcycle · captured Oct 16, 2026
New Vehicle Loans - Cars, Trucks, and SUVs
2025-current vehicles with mileage up to 5,000 miles. Financing up to 100% (or up to 125%). Loan approval, term, and rate based on income verification, creditworthiness, and collateral evaluation. Payment deferment for the first 90 days available for qualifying new money loans (interest accrues).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 36 months | 4.50% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 48 months | 4.50% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 60 months | 4.75% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 72 months | 5.00% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 84 months | 5.75% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
Sources (2)
All captured Oct 16, 2026
New Vehicle Loans for First-Time Buyers (Ages 18-25)
For first-time car buyers age 18 to 25 with no prior vehicle loan. Max borrow amount up to $25,000 with flexible financing up to 100%. Full coverage insurance required. 2024-2025 vehicles with mileage up to 5,000 miles. Loan approval, term, and rate based on income verification, creditworthiness, and collateral. As low as rate includes maximum rate discount of 0.75%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.25% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 36 months | 4.25% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 48 months | 4.25% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 60 months | 4.25% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 72 months | 5.00% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
Sources (1)
- umecreditunion.com/borrow-insu…s/first-time-auto-buyers · captured Oct 16, 2026
Used Vehicle Loans - Cars, Trucks, and SUVs
2016-2025 vehicles with mileage up to 150,000 miles. Financing up to 100% (or up to 125%). Loan approval, term, and rate based on income verification, creditworthiness, and collateral evaluation. Payment deferment for the first 90 days available for qualifying new money loans (interest accrues).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 36 months | 5.00% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 48 months | 5.00% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 60 months | 5.25% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 72 months | 5.50% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
| up to 84 months | 6.00% | APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%. |
Sources (2)
All captured Oct 16, 2026
Used Vehicle Loans for First-Time Buyers (Ages 18-25)
For first-time car buyers age 18 to 25 with no prior vehicle loan. Max borrow amount up to $25,000 with flexible financing up to 100%. Full coverage insurance required. 2015-2024 vehicles with mileage up to 150,000 miles. Loan approval, term, and rate based on income verification, creditworthiness, and collateral. As low as rate includes maximum rate discount of 0.75%.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.75% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 36 months | 4.75% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 48 months | 4.75% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 60 months | 4.75% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
| up to 72 months | 4.75% | As low as rate includes maximum rate discount of 0.75%. Based on income verification, creditworthiness, and collateral. Financing up to 100%. |
Sources (1)
- umecreditunion.com/borrow-insu…s/first-time-auto-buyers · captured Oct 16, 2026
Who can join UMe Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.