Drive off with a better rate on an auto loan

Fall inventory is moving. Get pre-approved with Ubay before you shop.

Terms up to 120 months, and financing you can lock in before you shop. Ask for Ubay financing at the dealership through Indirect Lending and get the same rate on the spot.

Rates based on credit score and loan term. Membership is required. Applying for a loan is not a guarantee of approval.

Know your rate and shop with confidence

Skip the back-and-forth at the dealership finance desk. Apply online in minutes, no branch visit required, and get pre-approved with a rate and budget in hand before you start browsing. Already found the car? Bring your pre-approval to the dealership, or ask for Ubay financing directly through our Indirect Lending program. Either way, the process is just as fast.

Apply Now

Member-owned. Rate-focused.

As a member-owned credit union, Ubay isn't chasing profits for shareholders, so more of that value comes back to you in the rate. Pair that with flexible terms, and financing your next vehicle doesn't mean stretching your budget to make it work.

Apply Now

Competitive Rates

Member-owned means no shareholders to answer to, so more value comes back to you in the rate, not a bank's bottom line.

Terms Up to 120 Months

Longer terms available for lower monthly payments, or choose a shorter term to pay less interest overall.

New or Used

Finance a car, truck, or SUV, straight off the lot or a few years in.

Added Protection

Add GAP Plus, Debt Protection with Life Plus, or Mechanical Repair Coverage to your loan for extra peace of mind.

A Ubay loan can make it happen

  • I refer so many people here because I have had such a great experience. I tell everyone to come to United Bay because they really do take care of you.

    Ashley G., Member

  • When we go into UBAYCCU, it’s like going to someone’s home. We know all of the clerks by name...It’s more than a credit union, it’s a home.

    Christine & Gerrit S., Members

  • I’ve been a member at the credit union this long because the minute you walk in, everybody is so super friendly.

    Isabel & Thomas C., Members

  • When you have people who back you, you want to back them, so I refer everyone here. Just like how I work on people's cars and they trust me, that's the way I feel about this credit union.

    Richard W., Member

  • We’ve referred so many of our friends and family to the credit union, and it doesn’t matter what credit union location we go to—everyone is amazing.

    Lisa L., Member

Support that helps you go further

Your loan should be simple, fast, and stress-free. That’s why we combine modern digital solutions with personalized support to make the process easier from start to finish.

  • Apply online quickly and securely.

  • Get fast approvals you can trust.

  • Manage payments on web or app.

  • Get local help whenever needed.

Apply Now

Disclosure: APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score and loan term will determine which rate you qualify for. Over 50% of loan amount must be new money. Certain restrictions apply. Rate and terms are subject to change at anytime. Membership is required and based on eligibility.

Our commitment to you

  • Investment in community

    We have been rooted in Michigan for more than 75 years, always championing the people and places that make it home.

  • People first, always

    As a not-for-profit credit union, we prioritize people and reinvest in better rates for you, lower fees for all, and community growth.

  • Support at every step

    From your first savings account to credit building, retirement, and beyond, we are here to guide your financial journey for life.

Become a Member

 Frequently asked questions

  • Apply online through Ubay@Home or stop by any branch. Pre-approval gives you a rate and budget before you start shopping, so you know exactly what you can spend.

  • Your rate is based on your credit score, the loan term, and the vehicle's value. Rates, terms, and conditions vary by qualification, so your actual rate may differ from advertised rates.

  • Yes. Ubay finances both new and used vehicles, cars, trucks, and SUVs, with terms up to 120 months.

  • Ask the dealership for Ubay financing on the spot through our Indirect Lending program. You'll get the same competitive rate without doing a separate application later.

  • Terms run up to 120 months. A longer term means a lower monthly payment; a shorter term means less interest paid overall.

  • Yes, Ubay auto loans are a member benefit. If you're not a member yet, you can join when you apply.

  • You can add Debt Protection with Life Plus, GAP Plus, or Mechanical Repair Coverage for extra peace of mind, on top of your loan.