Drive with Confidence — in Your Vehicle and Your Rate
Find competitive rates and clear terms designed to keep your journey moving smoothly.
Find competitive rates and clear terms designed to keep your journey moving smoothly.
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, motorcycle, or ATV, 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!
Apply Online Today! Make Appointment Protection & Claims
| Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) | |||
| Effective Date: Tuesday, May 12th, 2026 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2023 and Newer | Up to 60 Months | $22.04 | 4.490% APR* |
| 2023 and Newer | Up to 72 Months | $19.69 | 5.240% APR* |
| 2023 and Newer | Up to 84 Months | $18.33 | 6.240% APR* |
| 2021-2022 | Up to 60 Months | $22.04 | 4.490% APR* |
| 2021-2022 | Up to 72 Months | $19.69 | 5.240% APR |
| 2018-2020 | Up to 48 Months | $26.76 | 5.490% APR* |
| 2016-2017 | Up to 36 Months | $34.59 | 6.990% APR* |
| 2006-2015 | Up to 24 Months | $48.74 | 6.990% APR* |
| 2005 or older | Up to 24 Months | $49.87 | 8.990% APR* |
*APR=Annual Percentage Rate. Rate applies to Auto, Motorcycle, ATV, Snowmobile and Personal Watercraft. Your credit score, loan term, loan-to-value, year of Auto, Motorcycle, ATV, Snowmobile/Personal Watercraft and account relationship determine your rate. Rate stated is for borrowers with excellent credit history and a 2023 or newer vehicle and includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000.00 borrowed are $22.04 per month at 4.49% APR for 60 months with optional payment protection. First payment may be deferred for 90 days on select vehicle loans. Finance charges begin accruing when loan is funded. Not all applicants will qualify for the 90-day deferred payment, and other exclusions may apply. Loans subject to credit approval. Other rates and terms available, please contact us for details. UnitedOne Credit Union membership required. Other loan types not eligible for this offer. Offer effective May 12, 2026, and subject to change at any time without notice. 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. | |||
Your purchase of Mechanical Breakdown Protection (MBP) is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for MBP. This information will include a copy of the MBP policy terms and conditions. Which will contain the terms and conditions of the MBP policy. There are eligibility requirements, conditions, and exclusions to the MBP program. You should carefully read your MBP policy for a full explanation of the benefits, rules, terms, and conditions of the program.
Your purchase of GAP is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver which will contain the terms and conditions of the GAP Advantage benefit. There are eligibility requirements, conditions, and exclusions, including a loan-to-value maximum that may cap the benefit you receive from GAP. You should carefully read your GAP Waiver for a full explanation of the benefits, rules, terms and conditions of the program.
Your purchase of Depreciation Protection (DPW) is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for DPW. This information will include a copy of the DPW Waiver which will contain the terms and conditions of the DPW benefit. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits and are explained in the DPW Waiver. You should carefully read your DPW Waiver for a full explanation of the benefits, rules, terms and conditions of the program.
Life can be unpredictable. Debt Protection helps safeguard your loan payments or loan balance in the event of death, disability, or involuntary unemployment, helping protect your financial well being.
You decide which payments you want to protect and the monthly premium may be added to your loan.
Coverage is designed to fit your lifestyle, it is totally voluntary, it won’t affect your loan approval, and it’s simple to apply. You can sign up at your loan closing, or anytime you’d like.
Contact Us to Learn More
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply.
Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
OMS#: DPM022 † MARKETING#: DP-2043103.1-0218-0320
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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