(800) 245-0433 PO Box 60651, Montclair, CA 91763

Auto Loans

See UMFCU BEFORE You Go to the Dealer!

Estimate Your Payment

Shopping for a new or used vehicle? Confused about the dealer’s special rate financing? Often it may mean hidden costs, higher vehicle prices or in most cases YOU DON’T qualify for the rate. So BEFORE you go to the dealer, come see us and get PRE-APPROVED for your auto loan.

With our flexible terms, no hidden costs, 100% financing, and low interest rates, we’ll make your next automobile purchase more affordable without the hassle of arranging financing.

Take a look at the chart below comparing 0% financing versus taking a rebate and financing your loan with United Methodist FCU. It pays to read the fine print.

UMFCU Financing Dealer Financing
Vehicle Price $20,000 $20,000
Dealer Rebate $4,000 None
Net Price $16,000 $20,000
Rate 4.99% APR 0.00%
Term 5 Years 5 Years
Monthly Payment $302 $333
Total Payments $18,120 $20,000
You Save $ 1,880 $0

Bottom Line: You can buy at the dealer, but don’t finance at the dealer. Insist on financing your new car with United Methodist FCU. We’ll help keep the money in your pocket where it belongs.

Already have your loan with another lender? Compare our rates, you may even save money when you refinance your existing auto loan with UMFCU.

So make life easier on yourself, get pre-approved, then buy the car of your dreams, and finance your new/used auto with United Methodist FCU.

To find out more about how we can help you obtain affordable, reliable auto insurance, call 800-245-0433. 

Or click on the links below to apply online or learn more about Guaranteed Asset Protection and Mechanical Breakdown Insurance:

GAP and MBI Information

To apply for your Auto Loan, log in to our eBranch to fill out an application and get instant approval! If you are new to UMFCU’s eBranch, give us a call at 1-800-245-0433 and we will help you set up your account.

You may also download and print a loan application here, and then mail it in or bring it to your local branch.


New Auto Loans

as low as


Used Auto Loans

as low as


Church Loans

as low as


VISA® Classic

as low as


VISA® Platinum

as low as


Regular/Special Share

Dividend Rate


Youth Share Account

Dividend Rate


Christmas Club

Dividend Rate


* APR = Annual Percentage Rate. APY = Annual Percentage Yield. All rates are subject to change without notice. See applicable disclosures on rates page.