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Rates Calculator

Apply for an auto loan here before visiting the dealership — we’ll get you pre-approved for an upper hand in price negotiations.

Key Features

  • Competitive Rates
  • Flexible Terms
  • Pre-Approval Available
  • Local, KC Metro Service
  • Competitive rates for the purchase of new or used vehicles
  • Financing also available for recreational vehicles, including:
    • Motorcycles
    • RVs
    • Boats
    • And more!
  • Flexible terms to meet your needs
  • No prepayment penalties
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • GAP coverage and extended warranty plans available
  • Credit life and credit disability insurance available1
  • Decision-making and processing in your own backyard
  • Personalized service from people you know




We offer insurance and warranty plans to protect your assets — all at a fraction of what you’d pay at the dealership.

GAP Coverage

If your vehicle is declared a total loss due to collision or theft, you still have to pay the difference, or the “GAP,” between the insurance settlement and your loan balance. Guaranteed Asset Protection is low-cost coverage that can pay the potentially high-cost difference. Ask about it when you apply for your next loan! 

Extended Warranty Plans

This coverage ensures that you can afford repairs to your car when the unexpected happens. For a few dollars a month, you can protect your vehicle and your finances from expenses that could be costly. Policies include roadside assistance, towing and rental reimbursement, and can even be transferred if you sell your vehicle to a private party. Model year and mileage guidelines apply, so ask your loan officer for complete details.

Credit Life & Credit Disability Insurance1

For more information on credit life and disability insurance, visit any UCCU branch office or contact the UCCU Member Service Center at (816) 325-6900 or 1-800-580-9303.

1Your purchase of MEMBER'S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL-1875457.1-0817-0919.