Whether you're buying new, buying used, or refinancing from another lender², you get the same great rate, as low as 4.6% APR¹, plus a $100 gas card and zero payments for your first 60 days. Apply now through April 30th.
Apply for Your Loan
Financing your next ride should be simple. Whether you're shopping for a new car, found the right used vehicle, or want to refinance your auto loan from another lender at a lower rate, our lending team is here to help you through every step. With local decision-making and a member-first approach, UMCU has been helping Michigan members get behind the wheel for over 70 years, in Ann Arbor, Ypsilanti, and across Southeast Michigan.
Our rates starting as low as 4.6% APR1 and ZERO payments for 60 days is designed to help achieve your dream car, stress-free, with service that puts you first.
Promotional low financing rate that keeps your budget in check.
Members with approved and funded loans get $100 gas card for future trips.
Start stress-free and don't worry about a payment for 60 days!
Proof of Income | Valid Driver's License | Vehicle Details
Apply
Online/In-branch
Get Approved
UMCU Lending team reviews and provides a decision
Drive Away Happy
Take home your new car with ZERO payments for 60 days
plus a FREE $100 gas card3
Disclosures
1The offer begins 4/1/26 for accounts in good standing and ends 4/30/2026. If a deferral is set up during the loan process, principal or interest payments are not required for 60 days from the loan funding date. Interest will accrue during the deferred payment period. A sample auto loan monthly payment based on $30,000 at 4.6% APR for 60 months, and a delayed payment of 60 days, is $562.88. Subject to credit and collateral approval. Disclosed rates are subject to change at any time and may vary based on credit history and loan term. Additional limitations, terms and conditions may apply, and are subject to change without notice. Contact UMCU for additional information."
2Must be new loan to University of Michigan Credit Union (UMCU) or refinance of loan from another financial institution. Internal refinances are not eligible.
3Gas card will be mailed to eligible members after the loan is approved and funded.
You will receive an email from UMCU via our partner, Giftronaut.
Sender email address: no-reply@giftronaut.com
The subject line will read:
UMCU has sent you a $100 digital gas card
Please check your spam or junk folder if you don’t see the email.
Once redeemed you will be able to select one of the following gas station options:
Shell
Walmart
Sam’s Club
Pilot
