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.

Special Offer

Get a better rate with a UBT account

Right now, when you set up automatic payments from your UBT checking or savings account, you’ll get 0.50% off the rate sheet on your new auto loan. Don’t have an account with UBT yet? You can open one online in about five minutes — that’s less time than taking your new ride through the car wash!

Buying a Car

Get behind the wheel faster with UBT

Ready to upgrade your ride? We’ll make it easy, starting with a fast and free pre-approval. Find out how much you can (and should) borrow, easy ways to repay, and other helpful advice to make your car buying process smooth and speedy — no bumps in the road. We can also help you find a lower rate, shorter term, or consolidate debt by refinancing your current auto loan.

People buckling up inside a car.

Buying a Car

There’s a little more to it than kicking the tires

From setting a budget to research and price negotiations, buying a car can be a real whirlwind. Frankly, there’s a lot to consider. And like most complex tasks, it’s best to take it one step at a time. That’s why we put together a handy reference guide and downloadable checklist to accompany you on your buying journey. You can rest easy, because you’ve got people — and a list.

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.


Loan products subject to credit approval.