Auto Loans
Looking for something that's built for speed? Buckle up with rates as low as 4.99% APR1. We have fast, flexible financing for your next car, truck or SUV.
Those four wheels can take you almost anywhere.
Let's get you started.
It takes you to work and school. To the park and pizza joint. To date night outings and weekend road trips. You rely on your vehicle almost every day. We get that. So you can rely on us to make sure you get the right financing for whatever you choose to drive from here to there to everywhere.
- Financing for new and used cars, pickups, vans and SUVs
- Stress-free application process with quick approvals
- Up to 100% financing for vehicles ten years old or newer
- Repayment plans up to 84 months help control your monthly budget
- Get preapproved for your loans so you can better focus your vehicle search
- Schedule automatic monthly payments through Online Banking or by arranging for transfers from your checking account
Swap n' Drop Auto Refinancing
Your current car, pickup or SUV still runs great. But the current loan could use a tune-up. We call our refinancing program Swap n' Drop. That is, you can swap your old loan from another financial institution for a new one with us and potentially drop your interest rate or monthly payment.
- Rates as low as 5.24% APR2
- Quick and easy application
- Lower monthly payments possible
- Your improved credit score can lead to a lower monthly payment.
- Access to Membership Benefits
See the potential savings!
This estimated example is for a $30,000 loan at 7.24% APR2 with a 72-month term.
| Current monthly payment at 7.24% APR | $514.87 |
| New Monthly payment at 5.24% APR2 | $486.45 |
| Monthly Savings | $28.42 |
| Total Savings (over the life of the loan) | $2,046.24 |
We want you to drive away happy.
- Money-saving rates
- Flexible repayment terms
- Speedy application process
- Save money by refinancing
Participating Dealership
You've picked out the perfect vehicle. Now it's time to arrange for financing. If you'd rather hit the open road than visit one of our branches, you can ask the following dealerships to arrange for a UVA Community Credit Union loan.
- Battlefield Chevrolet
- Battlefield Ford
- Battlefield Toyota
- Bob Wade AutoWorld
- Bob Wade Lincoln
- Bob Wade Subaru
- Campus Ford
- Charlie Obaugh Auto Group
- Chrysler of Culpeper
- CMA’s Colonial Auto Center
- CMA's Lynchburg CDJR
- CMA's Lynchburg Honda
- CMA's Lynchburg Hyundai
- CMA’s Valley Honda
- CMA’s Valley Nissan
- CMA’s Valley Subaru
- CMA’s Valley VW
- Country Chevrolet Inc.
- Crown Auto Sales
- Dick Myers CDJR
- DNX Motors
- Fellers Chevrolet
- Flow BMW
- Flow CDJR
- Flow Honda
- Flow Hyundai
- Flow Kia
- Flow Mazda
- Flow Mercedes
- Flow Porsche/Audi
- Joe Bowman Chevrolet
- Lindsay Buick
- Madison Ford
- Madison Motors
- Magic City Bedford
- Malloy Chevrolet
- Malloy Ford
- McDonough Toyota
- Mercedes Benz of Charlottesville
- Monticello Motors
- Myers Ford
- Nawabe Automotive
- Paul Obaugh Ford
- Pinkerton Chevrolet
- Reynolds GMC Subaru
- Safford of Warrenton
- Steven Kia
- Steven Nissan
- Steven Toyota
- Terry Auto Outlet
- Terry Clearance Center
- Terry Subaru
- Terry Volkswagen
- Volvo of Charlottesville
- Warrenton Toyota
- Wright Way Hyundai
UVA Community Credit Union is a full-service financial institution with locations throughout Virginia's Central Piedmont and Valley area.
Resources for success.
Login to Online Banking to apply.
APR = Annual Percentage Rate. All loans subject to credit approval. Other restrictions may apply. Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account.
1Effective 5/1/2025. APR with qualifying credit may vary based on credit history and model year of vehicle. All loans subject to credit approval. See Credit Union for details. Non-commercial vehicles only. Not all applicants will qualify for the lowest rate.
2Effective 2/1/2025. Limited time only. Loans must be funded within 30 days of application with UVA Community Credit Union to be eligible. Existing UVA Community Credit Union vehicle loans are not eligible for offer. Minimum finance rate for this special is 5.24% APR for loans up to 60 months. Maximum loan term is 84 months. Vehicle model ten years and newer. Max allowed mileage not to exceed 100,000. 5.24% APR payment example: 60 monthly payments of $16.22 per $1,000 borrowed. No other discounts apply. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Other restrictions may apply. Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account.