Auto Loans

Do you feel you may not qualify for an auto loan due to your credit history? We are here to help our members and look beyond their credit score.

Already have a car loan? Let us show you how we may be able to save you money by refinancing your current auto loan from another financial institution.

Shopping for a new car? Get pre-approved with Upward CU and make your buying experience easier.

Title Loans

Title loans are for members who own a vehicle outright but feel they do not qualify for a traditional vehicle loan. With a Title Loan you can borrow up to 50% of your car’s value using its title as collateral.

  • There is no credit check to qualify.
  • Members must be in good standing with the credit union
  • Must have a minimum of six month’s employment history.
  • Minimum loan amount is $1,000 and maximum $10,000.
  • Terms and payments are based on value of vehicle and loan amount.
  • Cleared title must be in the borrower(s) name(s) only.
  • Upward CU will appraise the vehicle to obtain value and will be listed as lien holder until the loan is paid in full.

The application is processed promptly after assessing the value of the vehicle with a quick inspection. Members can receive a .25% discount if they have a checking account with direct deposit.

New Vehicles

Finance up to 100% of the purchase price, including taxes, license and Upward CU insurance protection. A variety of terms will help find a payment plan that is comfortable for you. Competitive rates with a maximum term of 7-years are available for loans over $25,000.

Used Vehicles

Private party and dealership purchases qualify, with the ability to finance up to 100% of the quoted High Blue Book value, plus tax, license, and Upward CU insurance protection. Again, flexible terms result in comfortable monthly payments. Look to lower your existing interest rates or monthly payments by refinancing your existing bank or dealer financed or leased vehicles.

Personal Loans

Borrow up to $15,000 — no collateral is required. Pay for a vacation, college expenses, or consolidate those high-rate credit cards into a low-rate, stable monthly payment.

Certificate Secured Loans

Borrow up to 100% of the balance in a Upward CU certificate, which continues to grow and earn the quoted dividend rate. Low interest rates and a payment terms up to 60 months result in a manageable monthly expense.

Lines of Credit

A revolving credit line up to $15,000 with a low, fixed interest rate — again, with no collateral required. Continue to borrow against your available credit, as you need, to cover any expenses that come your way.

Shared Secured

Borrow up to 100% of the balance in your Upward CU savings account. Low interest rates and a payment term up to 60 months makes this loan program one of the easiest on the monthly budget. The balance in your savings account continues to earn the quoted dividend rate while it is used as security for the loan.

Upward CU Fast P.A.C.E. Loan

Easy to obtain Upward CU Fast Pace Loan requirements:

  • Membership in good standing opened a minimum of three months.
  • No current or previous workout loans or loan extensions granted.
  • Current employer minimum six months.
  • Must provide proof of hire date, and proof of income.

Only one payday loan per member at any given time. Maximum of three payday loans within a twelve month period. Existing payday loan must be paid in full before another is granted, no rollover loans honored. Credit report is not required to obtain the Upward CU Payday loan.

  • Loan Amount: $250.00 – $750.00
  • Loan Term: Six months
  • Processing Fee: $20