Auto Loan


Dealer Auto Cash

Buying a vehicle can be a stressful, yet exciting time. For additional information, calculators, frequently asked questions and other links please explore the buttons on the right of this page. Your UK Federal Credit Union is here to help by offering various options for your loan. As a member you can take advantage of our “Buy-Down” program, which allows you to lower your rate up to 1% simply by choosing from the following services:

-Student Checking -UKFCU GAP Advantage
-Direct Deposit -Senior Freedom
-Automatic Payment -UKFCU Credit Life/Disability
-UKFCU Vehicle Warranty -Multiple UKFCU Loans
(excluding 1st mortgages)

Auto Cash is a limited time offer


Vehicle Warranty

Protect yourself from unexpected repair bills by adding a Vehicle Service Agreement to your loan. Benefits include: major component coverage, 24-hour roadside assistance, rental car reimbursement, emergency tire repair, transferability of your policy for added resale value and more. Your plan can include all or some of the coverages mentioned. Ask a Financial Services Officer for details.


GAP Advantage

Accidents can be an unfortunate part of life. Your Credit Union has a solution to guarantee your investment. GAP Advantage or Guaranteed Asset Protection, safeguards you from financial loss in the event that your vehicle is totaled or stolen and never recovered. GAP will cover the difference between the cash value of your vehicle and the amount remaining on your loan. Because driving your new car off of the dealer’s lot can cause it to depreciate up to 10%-15% GAP Advantage protects you from day one.


Credit Life and Disability Insurance

Credit Life and Disability Insurance from CUNA Mutual Insurance Society gives you and your family a convenient, affordable way to help protect yourself in the event of death or disability. Have the peace of mind knowing you are covered, talk to a representative for more details.

Sign & Drive – Indirect Lending

With our Sign & Drive Indirect Lending Program members can enjoy the convenience of applying for a loan through a variety of auto dealerships in the Central Kentucky area. With ” on the spot” financing you can spend less time with paper work and more time enjoying your new vehicle. However you’d like to apply, Whether in person, online, over the phone, or at a participating dealer, we’ve made it easier than ever for you to drive away in the car of your dreams.


* Annual Percentage Rate. Rate based on credit history, other restrictions may apply. See a representative for details.