Vehicle Loans from UnitedOne Credit Union

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Auto Loans in Manitowoc and Sheboygan, WI

Car & Truck Loans, with a Local Touch!

UnitedOne Credit Union in Manitowoc and Sheboygan is your No. 1 choice for local lending when you’re on the clock to pick a different ride.

Whether you want to get your groove on with a swell new or pre-owned car, truck, SUV, RV, motorcycle, ATV, or boat – UnitedOne provides a wide range of auto loan options to cover your needs and lifestyle.

We’ll work hard to get you a loan at an affordable rate so you can get the vehicle you need. Whether the vehicle is new or pre-owned, we can help. Let's get started, fill out the online application or contact one of our experienced local lenders today.

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Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Effective Date: Saturday, May 17th, 2025
Year	Term	Monthly Payment per $1,000	APR* As Low As
2024 and Newer	Up to 60 Months	$21.90	4.990% APR*
2024 and Newer	Up to 72 Months	$19.20	4.990% APR*
2024 and Newer	Up to 84 Months	$17.83	5.990% APR*
2022-2023	Up to 60 Months	$21.90	4.990% APR*
2017-2021	Up to 48 Months	$26.49	5.990% APR*
2015-2016	Up to 36 Months	$34.09	7.490% APR*
2005-2014	Up to 24 Months	$47.93	7.490% APR*
2004 or older	Up to 24 Months	$48.88	9.490% 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.

**Official Rules for the 2025 “Loanapalooza Show The Love” Sweepstakes

NO PURCHASE IS NECESSARY IN ORDER TO ENTER THE SWEEPSTAKES.

EACH SWEEPSTAKES ENTRY WILL HAVE AN EQUAL CHANCE OF WINNING.

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, 2025 at 9:00 a.m. and ends April 30, 2025 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/auto-loans. 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, 2025 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 three (3) 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 two (2) winners on April 8, 2025 at 9:00 a.m. CST. The second drawing will select two (2) winners on April 15, 2025 at 9:00 a.m. CST. The third and final drawing will select one (1) winner on May 1, 2025 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, 2025, 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.