Auto Loans
Your Dream Vehicle Is a Click Away
Union Pacific Streamliner Federal Credit Union makes financing your next vehicle easy and stress-free. Whether you’re looking to buy a car, truck, motorcycle or refinance an existing loan, our dedicated lending experts work quickly to approve your loan with competitive rates and affordable monthly payments designed to keep you on the road.
Fast and Easy Application Process
Getting your Union Pacific Streamliner FCU auto loan is simple, and you’ll experience personalized service unmatched by other lenders whether you’re applying online, over the phone or in-person. And if you’re already financed elsewhere, you can refinance your auto loan with Union Pacific Streamliner FCU and potentially lower your rate and shorten your loan term.
Loan Rates for New Untitled Motor Vehicle
Term Length | Rates As Low As* |
|---|---|
Up to 65 Months | 4.65% |
66-75 Months | 5.15% |
76-84 Months | 5.65% |
Loan Rates for Used 2022 or Newer Motor Vehicles
Term Length | Rates As Low As* |
|---|---|
Up to 65 Months | 4.80% |
66-75 Months | 5.30% |
76-84 Months | 5.80% |
Loan Rates for Used 2019-21 Motor Vehicles
Term Length | Rates As Low As* |
|---|---|
Up to 60 Months | 6.90% |
61-72 Months | 7.40% |
Loan Rates for Used 2017-18 Motor Vehicles
Term Length | Rates As Low As* |
|---|---|
Up to 60 Months | 8.00% |
Loan Rates for Used 2016 or Older Motor Vehicles and/or Greater Than 150,000 miles
Term Length | Rates As Low As* |
|---|---|
Up to 48 Months | 9.50% |
Loan Rates for New Untitled Motorcycles
Term Length | Rates As Low As* |
|---|---|
Up to 60 Months | 7.00% |
61-72 Months | 7.50% |
73-84 Months | 8.00% |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Value based on the lesser of NADA retail value or purchase price. Subject to Loan-to-Value and other underwriting criteria. All collateralized loans require full coverage insurance and lien. Vehicles with salvaged titles do not qualify for these rates. Rates are subject to change without notice.
Additional Protection for Your Vehicle Investment
We offer a range of valuable products to complement and protect your Union Pacific Streamliner FCU auto loan:
- Debt Protection Coverage: Protect your finances by safeguarding your loan payments against unforeseen events such as death, disability, or involuntary unemployment.
- Guaranteed Asset Protection (GAP): The moment you drive your car off the lot, your vehicle begins losing value. Protect your investment with GAP. GAP covers the difference (or the "gap") between your vehicle’s market value and your outstanding loan balance if your vehicle is totaled or stolen. GAP also includes Auto Deductible Reimbursement, covering your insurance deductible up to $500 per claim, with unlimited claims per year, providing extra peace of mind for Union Pacific employees on the move.
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Mechanical Breakdown Protection (MBP): Drive confidently knowing you’re covered against unexpected mechanical breakdowns. UPSFCU’s MBP through Route 66 Warranty includes:
• Zero deductible
• Nationwide coverage
• 24/7 emergency roadside assistance
• Transferable coverage, enhancing resale value
• 30-day money-back guarantee
• Trip interruption benefits
• Direct claim payments
• Full refund of your original premium if your vehicle is declared a total loss.
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Auto Essentials Coverage: Auto Essentials Coverage provides comprehensive protection and convenience:
• Key or Remote Replacement: Covers lost, stolen, or damaged keys and remotes.
• Windshield Repair: Fix chips and cracks caused by road debris.
• Dent & Ding Repair: Removes minor dents and door dings without harming your vehicle’s original finish.
• Tire & Wheel Protection: Covers repair or replacement from road hazards, including cosmetic wheel repairs.
• 24-Hour Roadside Assistance: Immediate help for towing, basic mechanical repairs, fuel and fluid delivery, flat tire assistance, battery jump-starts and lockout services.
Ready to Hit the Road?
Let Union Pacific Streamliner FCU help you get behind the wheel with confidence and ease.
Additional Services
Download the Union Pacific Streamliner FCU Mobile App
Banking on the go? Our mobile app for digital banking makes managing your accounts convenient, secure and effortless. Transfer funds, deposit a check, pay your bills and much more.
