
Hit the road this winter with cozy rates and cool savings on vehicle loans.
UnitedOne Credit Union in Manitowoc and Sheboygan is your trusted partner for local vehicle lending.
Whether you're ready to roll in a new or pre-owned car, truck, SUV, RV, motorcycle, ATV, or boat, UnitedOne offers flexible auto loan options tailored to your lifestyle.
We’re committed to helping you secure a loan with competitive rates and personalized service — so you can hit the road with confidence. Apply online or connect with one of our local lenders to get started today!
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| Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) | |||
| Effective Date: Friday, November 14th, 2025 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2024 and Newer | Up to 60 Months | $21.87 | 4.190% APR* |
| 2024 and Newer | Up to 72 Months | $19.10 | 4.190% APR* |
| 2024 and Newer | Up to 84 Months | $17.72 | 5.190% APR* |
| 2022-2023 | Up to 60 Months | $21.87 | 4.190% APR* |
| 2017-2021 | Up to 48 Months | $26.58 | 5.190% APR* |
| 2015-2016 | Up to 36 Months | $34.41 | 6.690% APR* |
| 2005-2014 | Up to 24 Months | $48.55 | 6.690% APR* |
| 2004 or older | Up to 24 Months | $49.95 | 9.190% APR* |
*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, loan-to-value ratio, year of vehicle, and account relationship with UnitedOne Credit Union. Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $5,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000 borrowed include optional debt 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 loans@UnitedOne.org for details. Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required. CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. CARFAX Vehicle History Reports™ may be accessed with an active auto loan preapproval through UnitedOne Credit Union. The CARFAX Vehicle History Report is intended for personal use only and may not be used for commercial purposes. UnitedOne Credit Union is in no way responsible for the accuracy of the CARFAX Vehicle History Reports™. CARFAX reserves the right to take appropriate action for the misuse of this offer. CARFAX is a registered trademark of CARFAX, Inc. CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. Credit and collateral subject to approval. | |||
Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.
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