Auto Loans

A loan that puts you in the driver’s seat — literally

An auto loan from UBT makes the buying process almost as fun as the test drive.

Buying a Car

Get behind the wheel faster with UBT

Ready to upgrade your ride? We’ll make it easy, starting with a free pre-approval. Find out what you can afford, how much you can borrow, and other helpful advice to make buying your car a fast and smooth process. We can also help you find a lower rate, shorter term, or consolidate debt by refinancing your current auto loan.

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Why borrow from UBT?

Competitive rates

We aim to give you the best bang for your buck — you can even earn discounts off your interest rate if you make automatic payments from a UBT checking account.

No prepayment penalties

Ready to pay off your loan? We won’t ding you for paying it off faster. Handle your payoff on your own timeline, so you can move on to the next project.

Up to 45 days to first payment

Quick loan approval doesn’t have to mean a quick first payment. Enjoy a little lag time between the day you get your money and the day you start paying it back.

Lending experts

When it comes to finding the right loan, you don’t have to go it alone. At UBT, you’ll find help from real people who really care about finding the right fit.

3 easy ways to pay your loan

Whether you pay online, via check, or in person, making payments to your loan is easy as can be.

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Offers subject to credit approval. Minimum loan amount of $5,000 in new money. Promotional Annual Percentage Rate (APR) of 3.99% is for terms up to 36 months. For example, a $5,000 loan with 3.99% APR would result in 36 monthly payments of $147.84. Requires automatic payment.

Loan products subject to credit approval.

Optional products are offered through SWBC and Mercury Insurance Group, non-affiliates of Union Bank & Trust. Credit approval is not based on the purchase of products from the Bank or a subsidiary of the Bank. You are free to purchase optional products from another source.

Insurance Products: Not FDIC Insured — No Bank Guarantee — May Lose Value