Personal / Auto Loans
Also known as unsecured loans, personal loans are generally the quickest loan to apply for. As these loans are not secured by collateral like a vehicle or real estate, approval relies heavily on your credit report (to prove your history of paying bills on-time), and your debt-to-income ratio (the amount of debt you have, compared to how much income you earn).
New vehicles are defined as any model year 2022-2024, and terms can be for as long as seven years (careful with that seven year; you never want your loan to outlive your car). If approved, you can borrow up to the full MSRP of the vehicle, plus sales tax.
Used vehicles are defined as any model year 2015 – 2021, and terms can be for as long as five and a half years. If approved, you can borrow up to the current market value of the vehicle, as published by NADA plus sales tax.
Do you want a new toy? UHS Employees FCU can help you get a new or used boat, motor home, travel trailer, motorcycle or sports craft. New recreational vehicles are defined as any model year 2022-2024. Used recreational vehicles are model year 2015 – 2021.
Sportscraft is any ATV, UTV/RTV, Jet Ski, or Snowmobile. Maximum Term on New Sportscraft is 60 months and Used Sportscraft is 48 months.