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Home > Personal Services > Loans > Auto Loans | UnitedOne Credit Union in Manitowoc & Sheboygan

Auto Loans in Manitowoc and Sheboygan, WI

Join our Loanpalooza Vehicle Loan Sale

 Hurry, Offer Ends May 3rd! 

Girl sitting in driver seat smiling

  Apply Online     Book Appointment    Loan Rates  

Get your groove on & apply today for your limited time offer 
Cars. Trucks. SUVs. Motorcycles. UTVs. Boats & MORE

AND if you have a loan with a different lender, refinance at UnitedOne and $AVE

  • Rates as low as 5.49%APR* new or used vehicles
  • No Payments for 90 Days*
  • Up to 110% financing on vehicle loans

Busy? Ask about our electronic signature and virtual appointment options

Show The Love Loanapalooza!

Get a loan during our Loanapalooza vehicle loan sale and you'll be automatically entered to WIN 1 of 5 $500 CASH GIVEAWAYS!  If you WIN, UnitedOne will DONATE $500 to a local 501c3 organization of your choice, as our way of Showing The Love!**

Congratulations to our $500 Giveaway Winner!

$500 winner Christion L. accepted his check from Lexey, our Sheboygan Concierge at our 8th St. office. Christion selected the Humane Society of Sheboygan County to receive our $500 Show The Love donation.

UnitedOne Credit Union Loanapalooza Show The Love $500 Winner!

Belinda Esquinas, Executive Director of The Crossing of Manitowoc County, accepts a $500 “Show The Love” donation from Annie B., UnitedOne Credit Union Graphic Designer. Caitlyn G., a winning member in the Loanapalooza “Show The Love” Sweepstakes, chose The Crossing. 

UnitedOne Loanpalooza Donation Winner

We're here because you deserve some financial love!

Have questions about our vehicle loan sale? Email us at loans@UnitedOne.org or call 920-684-0361 in Manitowoc or 920-451-8222 in Sheboygan.

Not yet a UnitedOne member? Everyone living or working in Manitowoc, Sheboygan, Kewaunee or Door counties is eligible to join.

Vehicle Rates That Don't Take a Back Seat To Anyone 

 Hurry, Loanpalooza Ends May 3rd! 
Apply Online Today!  Book Appointment

Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Effective Date: Wednesday, April 24th, 2024
YearTermMonthly Payment per $1,000APR* As Low As
2023 and Newer Up to 60 Months $22.15 5.490% APR*
  Up to 72 Months $19.46 5.490% APR*
  Up to 84 Months $18.10 6.490% APR*
2021-2022 Up to 60 Months $22.15 5.490% APR*
2016-2020 Up to 48 Months $26.74 6.490% APR*
2014-2015 Up to 36 Months $34.34 7.990% APR*
2004-2013 Up to 24 Months $48.17 7.990% APR*
2003 or older Up to 24 Months $49.13 9.990% APR*
*APR=Annual Percentage Rate. Your credit score, loan term, loan-to-value, year of vehicle and account relationship determine your rate. Rate stated is for borrowers with excellent credit history, vehicle 2021 or newer, plus minimum new money of $5,000, an active UnitedOne Credit Union checking account, direct deposit, and automatic payments. Monthly payments per $1,000 borrowed are $22.15/month at 5.49% APR for 60 months with optional payment protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded. Additional rates and terms available, please contact us for details. Offer subject to credit approval and not all applicants will qualify for the lowest rate. Other loan types not eligible for this offer. UnitedOne Credit Union membership required. Offer effective April 1, 2024, and subject to change at anytime without notice.

**No purchase necessary. For complete "Loanapalooza Show The Love" Sweepstakes rules continue reading or click to learn more. Sweepstakes offer ends 4/30/2024 at 5 p.m.   

Official Rules for the 2024 “Loanapalooza Show The Love” Sweepstakes



UnitedOne Credit Union is the sponsor of the Sweepstakes. UnitedOne Credit Union’s address is: 1117 S. 10th St., Manitowoc, WI 54220.

Sweepstakes Period: Begins April 1, 2024 at 9:00 a.m. and ends April 30, 2024 at 5:00 p.m., Central Standard Time.

By entering this Sweepstakes, entrants accept and agree to be bound by these Official Sweepstakes Rules and the decisions of UnitedOne Credit Union. Sweepstakes void where prohibited by law.

Sweepstakes Entries: All “Loanapalooza” loans funded during the Sweepstakes Period will be automatically entered into the sweepstakes to win one (1) of five (5) Grand Prizes. See terms of our "Loanapalooza" promotion to determine eligible loans at www.UnitedOne.org. To enter the Sweepstakes without funding a loan at UnitedOne Credit Union, clearly print your name, address, telephone number and the words “Loanapalooza” on a 3” x 5” card and mail the card in an envelope to: “Loanapalooza Sweepstakes”, 1117 S. 10th St., Manitowoc, WI 54220. Entries by mail must be at UnitedOne Credit Union before the April 30, 2024 Sweepstakes deadline. UnitedOne Credit Union is not responsible for misdirected, damaged, illegible, postage-due or incomplete entries not received by the deadline. Entries by entry card and automatically generated entries have equal chances of winning.

If an entry form that was entered by mail is drawn, but judges are unable to determine the winner because of illegible writing, that entry form will be disqualified, and another chosen until a winner is deter­mined.

Prize Drawings: Five (5) total winning names will be drawn at five (5) different points throughout the sweepstakes to win a Grand Prize. Each of the five (5) winners will win $500.00 cash. Only one person per household may be a winner.  In addition to winning $500.00 cash, each winner may choose a local 501(c)(3) organization located in Manitowoc County or Sheboygan County.  This local 501(c)(3) will be given a $500.00 donation from UnitedOne Credit Union. 

There will be a total of five (5) drawings throughout the sweepstakes. The first drawing will select one (1) winner on April 8, 2024 at 9:00 a.m. CST. The second drawing will select one (1) winner on April 15, 2024 at 9:00 a.m. CST. The third drawing will select one (1) winner on April 22, 2024 at 9:00 a.m. CST. The fourth drawing will select one (1) winner on April 29, 2024 at 9:00 a.m. CST. The fifth and final drawing will select one (1) winner on May 3, 2024 at 9:00 a.m. CST. All prize drawings will be held by UnitedOne Credit Union representatives. At these drawings, UnitedOne Credit Union will randomly select the Grand Prize winners from all qualifying names. The names of the winners will be available upon request.

Liability/General Rules: UnitedOne Credit Union is not responsible for any loss, which may occur in connection with the winning or the use of any prize. Entrant agrees to hold UnitedOne Credit Union harmless from any liability arising from participation in the Sweepstakes or the acceptance, receipt, possession, or misuse of the prize. UnitedOne Credit Union and each of its officers, directors, employees, members, representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, accep­tance, receipt, possession, or use/misuse of prizes awarded or participation in this Sweepstakes.        

Liability/General Rules: UnitedOne Credit Union is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes.  

UnitedOne Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules or who may make any misrepresentations relative to the Sweepstakes and redemption of a prize.

Age/Membership Qualification: All entrants must be age 21 or older as of April 1, 2024, the start date of the Sweepstakes and a member in good standing at UnitedOne Credit Union.

Prize Description: $500.00 cash.

Tax Issues: UnitedOne Credit Union will report all prize winnings to the appropriate state and fed­eral agencies as required by applicable law. Sweepstakes prize value may be taxable as income to the prize recipient; winner is responsible for all tax consequences of the prize.

Publicity Authorization: Each winner agrees to permit UnitedOne Credit Union to utilize his/her name and likeness in promotional and other UnitedOne Credit Union materials, without additional compensation or permission, except where prohibited by law.

Additional Terms: By participating, entrants agree to these Official Rules and that the decision of UnitedOne Credit Union shall be final in all respects. UnitedOne Credit Union employees, officials, and members of their immediate families are not eligible to participate in the Sweepstakes.

Choice of Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and the UnitedOne Credit Union in connection with the Sweepstakes, shall be governed by, and construed in accor­dance with, the substantive laws of the state of Wisconsin, USA, without regard to choice of law rules.

Consumer Disclosure: Odds of winning depend upon number of entries received

Questions: May be addressed to M. Farley, UnitedOne Credit Union, 1117 S. 10th St., Manitowoc, WI 54220, 920-684-0361.

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