Auto Loans

Take advantage of great low rates this summer

With interest rates as low as 2.99% APRꭝ, there’s no better time to upgrade your ride and hit the road. Get an auto loan that’s right for you from UBT.

Special Auto Loan Promotion

Hit the road with rates as low as 2.99% APRꭝ

Thinking of upgrading your ride? Put yourself in the driver’s seat when you take advantage of our summer auto loan special. Now through September 30, 2020, you can choose from:

2.99% APRꭝ on an auto loan for up to 48 months

— OR —

3.99% APRꭝ on an auto loan for 49 to 72 months

Plus, we’ll waive the origination fee, and you’ll have up to 90 days before your first payment is due. If you already have an auto loan, this offer is good for refinancing, too! Save yourself some cash — or get a little extra to put toward something else.

Your next auto loan exit now

Offers subject to credit approval; must have a credit score of 720 or higher. Minimum loan amount of $5,000 in new money. Promotional Annual Percentage Rate (APR) of 2.99% is for up to 48 month term. 3.99% APR is for 49-72 month term. For example: a $5,000 loan with 2.99% APR would result in 48 monthly payments of $110.78, and a $10,000 loan with 3.99% APR would result in 72 monthly payments of $156.41. Requires automatic payment from a Union Bank checking account. Promotion valid on 2015 models and newer on applications received August 1 – September 30, 2020. Not valid on loans in process. Cannot be combined with any other offer.

COVID-19 Relief

We're here for you

We know things are still rocky as our communities focus on reopening. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.

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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Loan products subject to credit approval.

Offers subject to credit approval; must have a credit score of 720 or higher. Minimum loan amount of $5,000 in new money. Promotional Annual Percentage Rate (APR) of 2.99% is for up to 48 month term. 3.99% APR is for 49-72 month term. For example: a $5,000 loan with 2.99% APR would result in 48 monthly payments of $110.78, and a $10,000 loan with 3.99% APR would result in 72 monthly payments of $156.41. Requires automatic payment from a Union Bank checking account. Promotion valid on 2015 models and newer on applications received August 1 – September 30, 2020. Not valid on loans in process. Cannot be combined with any other offer.