Auto Loan Rates

An auto loan from United Bank will help you get in the driver's seat of your next new or used car.  Get the financing you want for the vehicle you need.

  • Fast and easy to apply
  • No application fee
  • Borrow up to 125% of the invoice price to purchase your new car, including taxes and title¹
  • Refinancing available on loans from other lenders; lower your rate or change your terms
  • Loan amounts starting at $5,000

If a refinance, please have the vehicle identification number (VIN) when you apply for the loan.

Rates as of Wednesday, December 20, 2017

Product DescriptionInterest RateAnnual Percentage RatePayment per $1,000Apply
Auto - New
12 Months1.740%2.558%$84.12
24 Months1.740%2.167%$42.43
36 Months1.740%2.029%$28.53
48 Months1.740%1.959%$21.58
60 Months1.740%1.916%$17.41
Auto - Used
12 Months1.990%2.809%$84.23
24 Months1.990%2.416%$42.54
36 Months1.990%2.280%$28.64
48 Months1.990%2.210%$21.69
60 Months1.990%2.167%$17.52

Amount of financing is dependent on credit score and age of vehicle.  All loans are subject to credit approval.  The rate will be determined by your credit history, age of vehicle, type of vehicle and length of loan.  1.74% rate available on new 2017 and 2018 model years with less than 5000 miles.  Rate requires minimum credit score of 750, down payment of 20%, maximum loan to value of 80%, and auto pay from United Bank Premier checking account.  1.99% rate available on used 2016 to 2018 model years with less than 100,000 miles.  Rate requires minimum credit score of 750, maximum loan to value of 80%, and auto pay from United Bank Premier checking account.  Your rate may be subject to additional underwriting criteria.  VSI fee of $22.00 applies.  Other terms and rates may be available.  Existing United Bank auto loans ineligible for refinance.  Rates subject to change.  Insurance required.  Maximum deductible of $500.  Borrowers with a minimum credit score of 720 are eligible for a deductible of $1000.  Please ask for more details.


¹Loan to value is based on the lower of the invoice price or the value from the NADA or CARFAX valuation.  Restrictions may apply. 


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