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Buying A Car

Financial Milestones

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Your Guide to Buying a Car

If you're shopping for a brand-new ride or a reliable used car, UMCU is here to help you drive with confidence.

With our flexible auto loans and easy pre-approval process, you'll know exactly what you can afford before you step into the dealership.

Understanding the auto loan process doesn't have to be complicated. We'll walk you through the simple steps so you can make informed decisions, secure the best financing, and get on the road sooner.

View Auto LoansApply for an Auto Loan

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Buying a Car — 3 Simple Steps

Know the Car iconPick Your Car


  • Research the car you want. 
  • Compare models, features, and reliability. 
  • Be confident before heading to the dealer.

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Set Your Budget


  • Use our car payment calculator to set your budget. 
  • Decide what loan payment works for you. 
  • Make sure the numbers fit your lifestyle.

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Secure Your Loan


  • Apply for your loan with UMCU — quick and easy. 
  • Get pre-approved so you can shop with confidence. 
  • Walk into the dealership knowing your financing is ready.

Take the Next Step


Check out our offerings to help you take the next step in buying a car.

Apply for a Vehicle Loan