Unitus Community Credit Union

In 1937, the employees of Pacific Telephone & Telegraph decided that they needed a financial institution that would put them first, and not try to not profit off them. The union they created is now known as the Unitus Community Credit Union.

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    How do Unitus Community Credit Union auto loans work?

    The interest rates that you’ll find with Unitus Community Credit Union are quite reasonable. A new auto loan for 36 months will cost you from 3.24% to 15.49%, and 4.74% to 10.74% for 84 months. An old car would set you back 5.74% to 17.99% for 75 months.

    Credit score

    The reason these rates have such a wide range is that they’re dependent on your credit score. A rating of over 740 (which is quite high) will allow you to access the minimum rate above, but a much lower score will cause your rates to rise.

    How much can you borrow?

    Unitus Community Credit Union allows you to take the full 100% loan for the value of your new car.

    What types of vehicles are eligible for financing?

    The best auto loans on the site cover cars, vans, trucks, and SUVs.

    How do I qualify?

    Unitus claims that it’s committed to serving its community and the people who live or work there. You’re eligible to join the credit union if you or a family member live or work in the State of Washington or one of the following Oregon counties:

    • Benton
    • Clackamas
    • Columbia
    • Deschutes
    • Douglas
    • Hood River
    • Jackson
    • Josephine
    • Lane
    • Linn
    • Marion
    • Multnomah
    • Polk
    • Washington
    • Yamhill

    What documents do I need?

    In order to sign up, you must make sure you are prepared with a government photo ID, a second ID such as credit card or Student ID for the current year, a utility bill, your social security number, or a tax identification number.

    What are the fees?

    According to the website, there are no late repayment fees whatsoever.

    How long does the loan process take?

    Applying online is simple and pain-free, and approval can be instant.

    How to apply for an auto loan?

    Unitus Community has a large number of branches, so you can pop into your local one to apply. However, this isn’t necessary as the online process is straightforward.

    What payment methods are supported?

    You can use a credit card, bank transfer, cash, or cheque to make your payments.

    Pros and Cons


    • Reasonable rates if your credit score is acceptable
    • Free financial advice


    • You have to live in Washington or certain parts of Oregon to join

    Is Unitus Community Credit Union right for you?

    Unitus Community has a decent support system for its clients, and as long as your credit score isn’t too low, you could take a solid auto loan from this lender. However, in order to do that you must live in quite a specific area of the U.S. 

    If you don’t fit these eligibility requirements but are looking for a similarly fair and customer-orientated lender, why not try the My Auto Loan company? It offers competitive interest rates and services a much larger area of the country.