AUTO LOANS
Auto, Truck & Motorcycle Loans
Union Pacific Streamliner Federal Credit Union makes it easy to finance your next vehicle. Our Member Lending Consultants look for ways to approve your loan quickly, with a competitive rate, and an affordable monthly payment.
Our auto loan application process is easy – whether it is online, over the phone, or in-person. Our personalized service is unmatched. Have an existing auto loan with another financial? You could reduce your term and lower your rate by refinancing it through Union Pacific Streamliner Federal Credit Union.
We also provide a wide range of products to compliment your vehicle loans: Debt Protection Coverage, GAP Protection, Extended Warranties, Auto Essentials Coverage and Depreciation Protection.
RATES
New Untitled Motor Vehicles
Term Length |
Rates As Low As* |
Minimum Balance |
| 6-36 months | 4.93% | $5,000.00 |
| 37-48 months | 4.93% | $5,000.00 |
| 49-60 months | 4.93% | $10,000.00 |
| 61-72 months | 5.43% | $15,000.00 |
| 73-84 months | 5.93% | $30,000.00 |
*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.
Used 2021 or Newer Motor Vehicles
Term Length |
Rates As Low As* |
Minimum Balance |
| 6-36 months | 5.13% | $5,000.00 |
| 37-48 months | 5.13% | $5,000.00 |
| 49-60 months | 5.13% | $10,000.00 |
| 61-72 months | 6.13% | $15,000.00 |
| 73-84 months | 6.83% | $30,000.00 |
*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.
Used 2018 - 2020 Used Motor Vehicles
Term Length |
Rates As Low As* |
Minimum Balance |
| 6-36 months | 6.93% | $5,000.00 |
| 37-48 months | 6.93% | $5,000.00 |
| 49-60 months | 6.93% | $10,000.00 |
| 61-72 months | 7.43% | $15,000.00 |
*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.
Used 2016 - 2017 Used Motor Vehicles
Term Length |
Rates As Low As* |
Minimum Balance |
| 6-36 months | 7.93% | $5,000.00 |
| 37-48 months | 7.93% | $5,000.00 |
| 49-60 months | 7.93% | $10,000.00 |
*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.
Used 2015 or Older and/or greater than 150,000 miles Used Motor Vehicles
Term Length |
Rates As Low As* |
Minimum Balance |
| 6-36 months | 9.43% | $5,000.00 |
| 37-48 months | 9.63% | $5,000.00 |
| 49-60 months | 9.93% | $10,000.00 |
*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.
Our Office
1400 Douglas Street - Mailstop 0040
Omaha, Nebraska 68179-1001
Get in Touch
Phone
Local: (402) 544-2500
Toll-Free: (800) 370-2260
Text Us
(402) 501- 7473
E-mail
memberservice@upcu.org
ABA Routing Number
304083451