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.

Go to Loan Application

Credit24 Months36 Months48 Months60 Months72 Months
(A+A) 700+ Terms3.25%3.75%4.00%4.50%4.75%
(B) 640-699 Terms4.50%5.00%5.50%6.00%6.25%
(C) 600-639 Terms8.00%8.50%9.00%9.5%
(D) 550-599 Terms10.75%11.25%12.25%13.25%
(E) 549 & Below12.75%13.25%13.75%14.25%
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.

Auto Loans

Auto Loan

Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the 'View Report' button.


The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.