Dealer Financing Has Limitations

Over the past several months, automobile manufacturers have been offering 0% financing which has attracted both buyers and media attention. These programs, however, have many limitations with regard to credit qualifying, terms of repayment, and models of vehicles to which they apply. Large down payments are frequently required, making certain models unaffordable for many people.

Union Pacific FCU's automobile loans are not limited by the model of vehicle you choose. We offer competitive interest rates on new vehicles, regardless of make or model. Our used vehicle loan rates are also near historic lows. Our loan rates are based on the amount of financed and term of loan, not your credit score.

We will finance up to 100% of MSRP (window sticker) plus tax, title, license, and UPCU's Mechanical Breakdown Insurance and/or GAP protection. What is GAP Insurance? GAP protection will ensure that your loan with us is paid in full if your vehicle is totaled or stolen.

Ask us about the prices on new vehicles. We can provide you with a report showing Dealer Cost vs Window Sticker on any new vehicle. We also have a referral list of Fleet Dealers that will give you a discount on your new vehicle purchase. We can also supply you with the Retail Blue Book on any used vehicle. Give us a call before you purchase your next vehicle.

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