Leaving UPSCU.com

Auto Loans

For all types of new or pre-owned vehicles, U.P. State Credit Union is the place to choose for excellent rates and terms with no application fees!  By using the calculator, you can figure your estimated payment before you make a trip to the dealer.  We encourage you to talk to a UPSCU Loan Officer and get pre-approval today. In the Upper Peninsula, we have indirect lending with several dealerships where they finance directly with us.
Autos over 10 years old, Max Term is 48 months.

New Autos:  .50% off rates listed below.

Go to Loan Application

Credit24 Months36 Months48 Months60 Months72 Months84 Months
(A+A) 700+ Terms5.25%5.50%5.75%6.50%6.75%7.25%
(B) 640-699 Terms6.75%7.00%7.25%8.00%8.25%9.25%
(C) 600-639 Terms10.25%10.50%10.75%11.25%11.75%12.75%
(D) 550-599 Terms13.25%13.50%13.75%14.25%15.00%16.00%
(E) 549 & Below16.25%16.50%16.75%17.25%18.00%19.00%
All Rates are APR. APR is Annual Percentage Rate. Application and other fees may apply. Subject to approval.
Programs, rates, terms and conditions are subject to change without notice.
Link to Calculator